MARKETING SUPPORT
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Product Highlights: |
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Term Periods: |
10, 15, 20, 30 years |
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Issue Ages: |
10-year:
Ages 18 through 74 for non-tobacco; 18 through 70 for tobacco 15-year: Ages 18 through 65 20-year: Ages 18 through 60 30-year: Ages 18 through 50 for non-tobacco;18 through 45 for tobacco |
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Issue Amounts: |
$350,001 and up |
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Underwriting Classes: |
Preferred+ non-tobacco Preferred non-tobacco/tobacco Standard non-tobacco/tobacco |
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Convertibility: |
Conversion period begins on issue date and ends on
the earlier of: 1) one year prior to end of level term period for the 10-year plan; or 2) two years prior to end of level term period on the 15-, 20- and 30- year plans; or 3) policy anniversary after insured attains age 65. |
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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. |
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Additional Benefit Rider: |
Accelerated Benefit Rider |
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Critical Illness Rider: |
Critical Illness
Benefit Rider pays a lump-sum benefit if insured is diagnosed with a
specified critical illness. This innovative coverage has two unique
features: 1) Benefits do not decrease the death benefit but are paid in addition; 2) After first-ever diagnosis, insured is still eligible for benefits from multiple CI categories if continuing to pay premiums. Available on other insured. |
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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- and 30-year plans of base policy, Waiver of Premium Rider and ROP Rider only) Critical Illness Rider (see section above) |
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Payment Modes:
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Annual, semi-annual, quarterly, list bill, monthly
automatic bank withdrawal and credit card (recurring only) $70, Non-commissionable |