Product Highlights:

Issue Ages:

0 through 85 (age nearest birthday)

Issue Amounts:

Premium band I: $10,000-$99,999
Premium band II: $100,000-$249,999
Premium band III: $250,000+

Policy Fee:

$65, commissionable

Underwriting Classes:

Male, female
Preferred Plus Non-tobacco, Preferred Non-tobacco,
Select Non-tobacco, Preferred Tobacco, Standard Tobacco

Premiums:

Level, guaranteed, and based on premium band, issue class and issue age

Dividend Options:

All standard options are available, including: Paid-up Cash, Paid-up Additions, Accumulate at Interest, Reduce Premiums/Cash, Reduce Premiums/Paid-up Additions.

Additional Benefit Riders:

Optional Riders:

(No additional premium)
Exchange Privilege Rider
Accelerated Benefits Rider (Living Benefits)
Accident Only Disability Income Rider (base & other ins.)
Accidental Death Benefit Rider
Children’s Term Insurance Rider
Critical Illness Benefit Rider (base and other insured)
Disability Waiver of Premium Benefit Rider
Level Term Insurance Benefit Rider (base & other insured)
Monthly Disability Income Rider (base & other insured) 
Payor Benefit Rider
Protected Insurability Benefit Rider
Value Enhancement Rider (VER): Single and Periodic

Payment Modes:

Annual, semi-annual, quarterly, list bill, monthly automatic bank withdrawal and credit card (recurring only)