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Product Highlights:
Issue Ages:	Preferred Plus, Non-tobacco - 16 through 75 Preferred Non-tobacco - 16 through 75 Select Non-tobacco - 0 through 85 Preferred Tobacco - 16 through 75 Standard Tobacco - 16 through 85
Minimum Issue Amounts:	$50,000 for issue ages 0 through 54 $25,000 for issue ages 55+
Coverage:	To age 121: If the policy is in force beyond the anniversary date following age 121, the death benefit will equal the surrender value.
Premium Loads:	Current: 10 percent in years 1 through 15; 0 percent in years 16+ Guaranteed: 15 percent
Monthly Fee:	Current: 10 cents/$1,000 up to $10 Guaranteed: 15 cents/$1,000 up to $15
Withdrawal Fee:	$25 per withdrawal, only one withdrawal per year; no withdrawal available in first policy year.
Interest Credits:	Current: Declared; interest rate is increased 1 percent in year 11. Guaranteed: 3.5 percent
Death Benefit Options:	Face Amount; Face Amount Plus Accumulation Value
Premiums:	Guideline Premium Test used. Lapse protection premium guarantees the policy will not lapse during the first five years.
Preferred Loan:	Preferred loans are available beginning in policy year 11. These loans feature identical loan interest and crediting rates resulting in a zero net cost. The maximum preferred loan will be the accumulated value less the premiums paid.
Optional Riders:	Disability Waiver (0 through 60) 10-Year Term/Additional Insured (18 through 60) 20-Year Term/Additional Insured (18 through 50) Children’s Rider (18 through 60) Accidental Death Benefit: (0 through 65) Face Amount Increase: (0 through 37)
Automatic Riders Where Approved:	Accelerated Death Benefit (two options available): *Terminal Illness Option:* Death is expected within 12 months. Available at all ages. Up to 75 percent of net amount of insurance may be paid in lump sum or in any other manner agreed upon. Subject to a $250,000 overall limit. Long-Term Care/Home Care Option: Available at age 65. Up to 50 percent of net amount of insurance; or, 36 monthly payments of 2 percent of net amount of insurance. Benefit is paid after insured has been confined or received home care for three months. Universal life death benefits are reduced by the amount of all accelerated death benefit advances and unpaid interest on those advances. Prior to death, the insured can repay part or all of any advance. Repaid amounts are applied to the death benefit. Benefit is not available if policy is issued substandard.