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Product Highlights:
Term Periods:	10, 15, 20, 30 years
Issue Ages:	10 year: 18-65; 15 year: 18-65; 20 year: 18-60; 30 year: 18-50 Non-tobacco; 18-45 Tobacco
Issue Amounts:	$50,000 to $350,000
Underwriting Classes:	Select+ non-tobacco/tobacco Select non-tobacco/tobacco Standard non-tobacco/tobacco
Convertibility:	Conversion period begins on issue date and ends on the earlier of: 1) One year prior to end of level term period for 10-year plan; or 2) two years prior to end of level term period on 15-, 20- and 30-year plans; or 3) policy anniversary after insured attains age 65.
Premiums:	Level and guaranteed for the initial term period of 10, 15, 20 or 30 years. Annually renewable after the initial term to age 95.
Additional Benefit Rider: (no additional premium)	Accelerated Benefit Rider
Critical Illness Rider: (additional premium)	Critical Illness Benefit Rider pays a lump-sum benefit if insured is diagnosed with a specified critical illness. Available on Other Insured. This innovative coverage has two unique features: 1) Benefits do not decrease the death benefit but are paid in addition, and 2) After first-ever diagnosis, insured is still eligible for benefits from multiple CI categories if continuing to pay premiums.
Other Optional Riders:(additional premium)	Disability Waiver of Premium Rider Other Insured Rider Monthly Disability Income Rider Accident Only Disability Income Rider Children’s Term Insurance Rider Return of Premium Rider (available on 20-year and 30-year plans of base policy, Waiver of Premium Rider and ROP Rider only) Critical Illness Rider (see section above)
Payment Modes:	Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal and credit card (recurring only)
Policy Fee:	$70, commissionable