 |
20
TERM & 20/10 TERM 3.3 |
30/10
TERM 3.3 |
 |
$100,000 Minimum
(Ages 20 – 44)
$50,000 Minimum
(Ages 45 – 65)
2 Bands |
$100,000 Minimum
(Ages 20 – 44)
$50,000 Minimum
(Ages 45 – 55)
2 Bands |
 |
20 – 65
(Age Last Birthday) |
20 – 55
(Age Last Birthday) |
 |
Yes to age 70 |
 |
$5 Monthly: $15 Quarterly;
$30 Semi-Annually; $50 Annually |
 |
The Executive 20 Term 3.3
automatically includes an Initial Period Guarantee Rider, which extends
the base plan’s five-year guarantee to the full 20 years. On
the Executive 20/10 Term Product, premiums are guaranteed to remain
level for 10 years, but are anticipated to remain level for the entire
20-year period. Because of the shorter 20/10 guarantee, premiums for
this product are lower. |
Premiums are guaranteed
to remain level for 10 years but are, under current assumptions, anticipated
to remain level for 30 years.
|
 |
Up to 9 Other
Insured Riders are available for additional protection on the base
insured or other individuals. OIRs can be exchanged for an individual
policy with premiums based upon insured’s ORIGINAL issue age
and issue date. |
 |
Renewable to age 95 |
 |
After the initial
guaranteed period on each product, premiums can be increased but can
never exceed the guaranteed premiums. Following the initial period,
premiums increase annually to age 95. |
Following the
initial 10 year period, premiums increase annually to age 95. Current
premiums remain level for 30 years and then begin to increase annually.
|
 |
Other Insured Rider, Family
Insurance Rider, Children's Insurance Rider, Accidental Death Benefit,
Waiver of Premium, Living Needs Rider, Premium Deposit Agreement |
 |
Very competitive
premium structure. Three preferred classes available. Ideal for middle
income market. |
