 |
10
YEAR TERM |
20
YEAR TERM |
 |
$50,000 Minimum
No Banding |
$25,000 Minimum
2 Bands |
 |
20 – 70
(Age Last Birthday) |
18 – 70
(Age Last Birthday) |
 |
Yes to age 70 |
 |
$5 Monthly: $15 Quarterly;
$30 Semi-Annually; $50 Annually |
 |
Initial premium is guaranteed
for the first 10 years. After the initial 10-year period, premiums
can be increased but can never exceed the guaranteed premiums. |
On the 20 Year Term, premiums
are anticipated to remain level for 20 years or to age 70, whichever
comes first. After age 70, premium periods to age 90 are in five-year
increments. The current premiums can be increased after the first
five years, but can never exceed the guaranteed premiums.
|
 |
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.
|
Not exchangeable
for any other term product. However, it does contain an option to
go to Decreasing Term after five years and prior to age 70.
OIR is available.
|
 |
Renewable to age 90 |
 |
Premiums are
level for 10-year periods or until age 80, whichever comes fist. At
age 80, premiums will increase each year until age 90. |
Current premiums
are anticipated to be level for 20 years or to age 70, whichever comes
first. At age 70, premiums renew in 5 year level increments.
|
 |
Other Insured Rider, Family
Insurance Rider, Children’s Insurance Rider, Accidental Death
Benefit, Waiver of Premium, Living Needs Rider, Premium Deposit Agreement |
 |
Low minimum
face requirements. Attractive 10 year term product for family market. |
Very low minimum
face requirements. Low cost protection based upon current premium
structure.
|
