 |
20
TERM & 20/10 TERM 3.3 |
30/10
TERM 3.3 |
 |
$250,000 Minimum
(Ages 20 – 44)
$100,000 Minimum
(Ages 45 – 65)
No Bands |
$250,000 Minimum
(Ages 20 – 44)
$100,000 Minimum
(Ages 45 – 55)
No Bands |
 |
20 – 65
(Age Last Birthday) |
20 – 55
(Age Last Birthday) |
 |
Yes, to earlier of the 20th
anniversary or to age 69. |
 |
$6 Monthly: $18 Quarterly;
$36 Semi-Annually; $60 Annually |
 |
The Premier 20 Term 3.3
automatically includes an Initial Period Guarantee Rider, which extends
the base plan's five-ear guarantee to the full 20 years. On the Premier
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.
|
 |
Other Insured
Rider NOT available |
 |
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.
|
 |
Family Insurance Rider,
Children's Insurance Rider, Accidental Death Benefit, Waiver of Premium,
Living Needs Rider, Premium Deposit Agreement |
 |
Extremely competitive
premium structure. Three preferred classes available. Ideal for upscale
market (large cases/competitive situations). |
