Chesapeake combo guide draft 23 Life/agentGuide.pdf · Our Commitment to you… At the Chesapeake...

Agent Guide

Guaranteed Level Term Plans

Universal Life Plans

Revised 1/06 For Agent Use Only

Our Commitment to you… At the Chesapeake Life Insurance Company we strive to provide *Five Star Service* to our agents and customers. Our *Five Star Service* commitment is to: * Provide prompt, courteous, and

accurate information in a professional and caring manner to foster understanding and create frictionless, lifelong relationships with customers, agents and partners.

We would like to thank you for your commitment to our mutual success.

Advertising Do not publish, advertise, or promote any materials concerning Us or Our products until You receive written authorization from the Company. Must submit any advertising form to Compliance for approval.

Advertising is anything that generates an interest in a specific insurance product, agent or company.

This includes, but is not limited to: product brochures; newsletters and prospecting materials; radio; television; all forms of medical advertising; business cards and stationary; Web-site information and other online services; illustrations and presentation materials; agent recruiting materials.

Underwriting


General Information

Underwriting Guidelines • pages 1-6

Product Specifications

• pages 7-8 Rates

• Non-Medical and Medically Underwritten rates pages 9-24

Return of Premium Rider Information / Factors

• pages 25-28 Term Riders Information/Rates

• pages 29-34 Term Premium Calculation Worksheet

• page 35


Universal Life Information

• page 36 C-100 Specifications / Rates

• pages 37-48 C-2 Specifications / Rates

• pages 49-54 Universal Life Rider Information /

Rates • pages 55-64

General Information

• pages 65-68

TABLE OF CONTENTS

1

Nicotine Use of any tobacco or nicotine product within the past 12 months. Only exception is occasional cigar usage, no more than 1 occasion per month and cotinine is negative.

Nicotine Warning Tobacco and nicotine users have demonstrated significantly higher mortality based on insurance company statistics. The Chesapeake Life Insurance Company will treat misrepresentation of the tobacco or nicotine use question in the same manner as any significant misrepresentation. If discovered during the contestable period The Chesapeake Life Insurance Company will seek to rescind the Policy and deny the entire death benefit. Blood Tests All blood tests are to include a Home Office urine Specimen. Blood Chemistry Profiles are to be drawn by an approved paramedical service.

Agent must see all insureds when application is completed.

Underwriting Guidelines Guidelines based on total amount of Life coverage pending

and in force with all companies administered by the Life Division.

We reserve the right to request additional information for underwriting assessment.

Issue Age 0 to 17 18 to 40 41 to

60 61 to

70 71 to

85 To $50,000 A A A A¹ B $50,001 to $100,000 A A² A² B B

$100,001 to $150,000

Consult UW

A³ Mort B C C

$150,001 to $250,000

Consult UW B C C C

$250,001 to $500,000

Consult UW B C C D

$500,001 to $1 Million

Consult UW C D D D

$1 Million Plus

Consult UW D E F F

A = Non-Med D = Paramed/HOS/Blood/EKG B = Paramed/HOS E = MD, HOS, BCP, EKG C = Paramed/HOS/Blood F = MD, HOS, BCP, GXT (stress test) ¹ At $50,000 face amount only – Ages 61 to 70 can apply for either Non-

Med or Med ² At $100,000 face amount only – Ages 18 to 60 can apply for either Non-

Med or Med ³ Ages 21-40 only, can apply for Non Med for face amounts $100,001-

$150,000 with mortgage certification form – must submit form with appli-cation. Mortgage must have been obtained in the last 24 months.

NOTE: Non-medical = Nicotine or non-nicotine risk class ONLY

B

General Financial Underwriting Guide

Physician Information If requested, provide complete physician information, including telephone number and address on application LPA 5/03 or LPAA 5/03 or state variation.

2

Purpose Ages Income Factor Requirements Personal Coverage / To age 30 20 Previous three years income tax

averaged. May require copy of tax return.

Income Continuation 31-40 15 41-50 10 51-60 8 61-65 5 66-70 3

Estate Tax Analysis 1/2 of net worth minus $200,000

Copy of Estate Analysis and Financial Statement Inspection of Tax Returns to verify income.

Key Person 5 x income (Presidents/CEO up to 20 x Annual Income)

Buy-Sell % Ownership x corporate value

Corporate Balance Statement. Also, documentation of earnings for past 3 yrs.

Business Loan 75% of loan Copy of loan agreement.

Juvenile Up to age 15

50% of what is in force on parents up to max of $250,000

Other siblings must be similarly insured. Application cover letter (as needed)

The following financial guide is intended to assist you in determining maximum coverage. Please refer to the guide often as it will provide a means of anticipating the Underwriting Requirements for all large amount cases you write.

3

Underwriting Guidelines

Weight not to exceed Weight not to exceed

Preferred Non-Nicotine

Non-Nicotine

Preferred Nicotine

Nicotine

Minimum Face Amount Term—see page 7 C-100—see page 37 C-2—see page 49

Term—see page 7 C-100—see page 37 C-2—see page 49



Non-Nicotine Criteria None in past 36 Months None in past 12 Months No more than 1 pack per day

Cholesterol Level Chol/HDL Ratio Cholesterol Treatment

240 6.0 Treatment OK




Treatment Blood Pressure Avg

Tx No Tx 0-60 135/85 140/90 61+ 140/90 150/90

Treatment OK 0-60 155/92 61 + 155/92

Treatment OK 0-60 140/90 61+ 150/90

Treatment OK 0-60 140/90 61+ 150/90

Family History No DEATH from Coronary Artery Disease, internal cancer, melanoma or Cardiovascular disease Prior to age 60

Individual Consideration No DEATH from Coronary Artery Disease, internal cancer, melanoma or Cardiovascular disease Prior to age 70

Individual Consideration

Aviation No flying as a pilot or crew member except on a regularly scheduled major commercial airline

No rateable aviation activity No flying as a pilot or crew member except on a regularly scheduled major commercial airline

No rateable aviation activity

Substance/Alcohol Abuse None None in past 5 Years None in past 10 Years None in past 5 Years Driving: Moving Violations DUI

No more than 2 in past 3 years None in past 5 years

Individual Consideration None in past 3 years

No more than 2 in past 3 years None in past 5 years

Individual Consideration None in past 3 years

Residency

US Resident for past 3 yrs Must have residency status or permanent VISA or Green card




Unsafe Foreign Travel *Contact Home Office

NO Individual Consideration

NO Individual Consideration

Military NO YES NO YES Hazardous Avocation None in past 24 months or

planned in next 24 months Individual Consideration None in past 12 months or

planned in next 12 months Individual Consideration

Height 5’0” 5’1” 5’2” 5’3” 5’4” 5’5” 5’6” 5’7” 5’8” 5’9”

5’10” 5’11” 6’0” 6’1” 6’2” 6’3” 6’4” 6’5” 6’6” 6’7” 6’8” 6’9”

6’10” 6’11”

158 163 168 173 178 183 188 193 198 203 210 218 223 228 233 238 245 253 263 270 280 290 300 310

190 196 203 209 216 223 229 236 242 249 255 262 270 278 286 294 302 309 318 326 334 342 350 358

173 178 185 190 197 203 209 215 220 227 232 239 246 253 260 268 275 281 289 297 304 312 319 326

190 196 203 209 216 223 229 236 242 249 255 262 270 278 286 294 302 309 318 326 334 342 350 358

4

Blank Page

Proposed Insured Signature – Only the Proposed Insured may sign on the “Proposed Insured Signature” line. Legal Guardian should sign application if the insured is age 15 or under. No one else may sign the Proposed Insured’s name. If Proposed Insured signs with an “X” or prints their name, a witness must sign “witnessed by” along with their signature and printed name. The witness must be someone other than the writing agent, a minor, the beneficiary, Power of Attorney, policyowner or spouse (spouse cannot sign as witness due to having an insurable interest in the policy). If an applicant is from another country and has U.S. residential status and a Social Security Number, his/her signature should be in their native language and they should not sign with an “X”. Attach a note to the application citing reason for signing with an “X”. A request for an APS should be expected. A Power of Attorney signature will not be accepted for either insured or as a witness.

If an applicant is unable to write his or her own signature, he or she can make an “X” mark on the signature line. The Agent must then write the name beside the mark, showing the first name to the left of the mark and the last name to the right of the mark. The Agent should also write “His” or “Her” above the mark and the word “Mark” below the mark.

Signature of Proposed Insured Mark

His Jones John

X

5

A policy can be backdated up to 6 months (3 months in Ohio) to save age if the back premium is collected. Backdating is allowed to save premium, not for eligibility of a policy or rider.

6

Express App Underwriting Process The process for Medically Underwritten Business is designed to allow the agent to concentrate on presenting the products, preparing a needs analysis, and closing the sale. At the end of the sale, the agent completes the application process by contacting EMSI for the Health Question Interview. 2 Page Application Agent will complete the 2 page application, which contains applicant information, product selection, face amount, etc., on the first page and then obtain all necessary signatures on the second page. Health Question Interview by Service Provider Once the application is completed, the agent should call EMSI at 888-835-7037 for the applicant to complete the Health Questions, which is Part A of the application. A Voice Signature will be accepted on Part A. If the applicant is unable to complete the Health Questions at the Point of Sale, the agent should ask the applicant for the best time EMSI could contact them. The agent should document the day and time on the 2 Page Application, and indicate that the interview has not been completed. Once the application is received in the Home Office, the Health Question interview will be ordered. As soon as the Health Question Interview is completed, it will be electronically sent to the Home Office. Please note that the Health Question Interview will be recorded. Paramed Exam Scheduled Once the Health Questions are completed, EMSI will schedule the applicant for the paramed exam. EMSI will target to have the exam scheduled within 72 hours of the time of the call. The Paramed Exam will consist of photo identification, blood pressure, height, weight, pulse, observation of physical condition, measurements, and will draw fluids (urine or blood as required for the age and face amount). Laboratory Results The paramed will overnight the fluid(s) to the Laboratory as soon as the exam is completed. Lab Results are electronically sent to the Home Office in 24 hours.

Express App 1-888-835-7037


10, 15, 20, 30-Year

The Guaranteed Level Term Plans offer your clients affordable term life insurance coverage to help meet their personal or business needs. With term coverage to age 95, your clients will have the choice of initial guaranteed level premium periods: 10, 15, 20, or 30 years. In addition to low cost protection, the Policy has built in guaranteed renewability to age 95, regardless of health.

Features and Benefits

Term Issue Ages (age last birthday) 10 Year 18-80 15 Year 18-75 20 Year 18-65 30 Year 18-50

Minimum Face Amount Underwriting Class

Non-Medical Non-Nicotine and Nicotine

• $25,000 Ages 18 through 70

Medically Underwritten Preferred Non-Nicotine, and Preferred Nicotine Non-Nicotine and Nicotine

• $100,000 Ages 18 - 60 • $50,000 Ages 61 through 70 • $25,000 Ages 71+

Policy Fee ($60 commissionable) Non-Medical = $100 annual Medically Underwritten = $60 annual

Minimum Monthly Premium Monthly $10 • Semi-Annual $60 • Annual $120

7

8

Note: Direct monthly and quarterly billing are not available.

Modal Factors • Annual 1.00 • Semi-Annual 0.52 • Monthly PAC 0.0875

Underwriting Classes • Preferred Non-Nicotine • Non-Nicotine • Preferred Nicotine • Nicotine

Terminal Illness Accelerated Benefit Provision

This benefit is automatically included in the Policy where available.

This benefit allows the Insured to access a portion of the Policy death benefit in the event the Insured is diagnosed with a terminal illness where life expectancy is 12 months (24 months in MA) or less. The election percentage shall be no greater than 50% of the Policy’s death benefit, with a maximum of $250,000. Death Benefit Fixed Income Option This settlement option is designed to provide flexibility in how the death benefit will be paid. The Policy Owner can select a combination of lump sum and monthly income options to provide guaranteed monthly income to the beneficiary instead of the entire death benefit paid at the time of death. Conversion Privilege The Policy can be converted to a C-2 Universal Life policy offered by The Chesapeake Life Insurance Company. The conversion may take place at any time prior to the earlier of the insured’s age 70 or the end of the initial level term period and is subject to the issue age and size limitations of the new Policy.

Guaranteed Level Term

Plans

NON-MEDICAL

RATES

Base Rate Riders

Issue Age Non

Nicotine Nicotine Waiver of Premium

Disability Income

18 - 25 0.90 1.70 0.10 12.38 26 0.90 1.73 0.10 12.63 27 0.91 1.76 0.10 12.89 28 0.91 1.79 0.10 13.16 29 0.92 1.83 0.10 13.43 30 0.92 1.86 0.10 13.70 31 0.93 1.89 0.11 14.24 32 0.93 1.92 0.12 14.81 33 0.94 1.96 0.13 15.40 34 0.94 1.99 0.14 16.01 35 0.95 2.03 0.15 16.65 36 1.03 2.20 0.17 17.69 37 1.11 2.38 0.18 18.79 38 1.20 2.57 0.20 19.96 39 1.30 2.78 0.23 21.21 40 1.40 3.01 0.25 22.53 41 1.52 3.26 0.29 24.32 42 1.64 3.52 0.33 26.25 43 1.77 3.81 0.38 28.33 44 1.91 4.12 0.44 30.57 45 2.07 4.46 0.50 33.00 46 2.25 4.85 0.57 35.21 47 2.45 5.27 0.66 37.57 48 2.67 5.73 0.76 40.09 49 2.91 6.23 0.87 42.78 50 3.17 6.77 1.00 45.65 51 3.45 7.36 1.11 52 3.76 8.00 1.24 53 4.09 8.70 1.37 54 4.45 9.46 1.53 55 4.85 10.28 1.70 56 5.36 11.32 57 5.92 12.47 58 6.53 13.73 59 7.22 15.13 60 7.97 16.66 61 8.80 18.35 62 9.72 20.21 63 10.74 22.26 64 11.86 24.51 65 13.10 27.00 66 14.64 29.76 67 16.36 32.81 68 18.28 36.16 69 20.43 39.86 70 22.83 43.94

9 Issue Age = age last birthday DI Rider rates = cost per $100 Add $100.00 Policy fee

Non-Medical Rates - Male Rates per $1,000 10 Year Term Initial Level Premiums

Non

-Med

ical

Rat

es

Medically Underwritten Rates - Male Rates per $1,000 10 Year Term Initial Level Premiums

Base Rate Riders

Issue Age Preferred Non-Nic

Non Nicotine

Preferred Nicotine Nicotine

Waiver of Premium

Disability Income

18 - 25 0.67 0.90 1.26 1.70 0.10 12.38 26 0.68 0.90 1.28 1.73 0.10 12.63 27 0.69 0.91 1.30 1.76 0.10 12.89 28 0.71 0.91 1.32 1.79 0.10 13.16 29 0.72 0.92 1.34 1.83 0.10 13.43 30 0.74 0.92 1.36 1.86 0.10 13.70 31 0.75 0.93 1.38 1.89 0.11 14.24 32 0.77 0.93 1.40 1.92 0.12 14.81 33 0.78 0.94 1.43 1.96 0.13 15.40 34 0.80 0.94 1.45 1.99 0.14 16.01 35 0.81 0.95 1.47 2.03 0.15 16.65 36 0.86 1.03 1.59 2.20 0.17 17.69 37 0.91 1.11 1.72 2.38 0.18 18.79 38 0.97 1.20 1.86 2.57 0.20 19.96 39 1.03 1.30 2.01 2.78 0.23 21.21 40 1.09 1.40 2.17 3.01 0.25 22.53 41 1.15 1.52 2.34 3.26 0.29 24.32 42 1.22 1.64 2.53 3.52 0.33 26.25 43 1.29 1.77 2.74 3.81 0.38 28.33 44 1.37 1.91 2.96 4.12 0.44 30.57 45 1.45 2.07 3.20 4.46 0.50 33.00 46 1.60 2.25 3.48 4.85 0.57 35.21 47 1.76 2.45 3.78 5.27 0.66 37.57 48 1.94 2.67 4.12 5.73 0.76 40.09 49 2.13 2.91 4.47 6.23 0.87 42.78 50 2.35 3.17 4.87 6.77 1.00 45.65 51 2.58 3.45 5.29 7.36 1.11 52 2.85 3.76 5.75 8.00 1.24 53 3.13 4.09 6.26 8.70 1.37 54 3.45 4.45 6.80 9.46 1.53 55 3.80 4.85 7.40 10.28 1.70 56 4.22 5.36 8.15 11.32 57 4.69 5.92 8.98 12.47 58 5.21 6.53 9.90 13.73 59 5.78 7.22 10.90 15.13 60 6.42 7.97 12.01 16.66 61 7.13 8.80 13.23 18.35 62 7.92 9.72 14.58 20.21 63 8.80 10.74 16.06 22.26 64 9.77 11.86 17.70 24.51 65 10.85 13.10 19.50 27.00 66 12.16 14.64 21.65 29.76 67 13.63 16.36 24.04 32.81 68 15.28 18.28 26.69 36.16 69 17.13 20.43 29.63 39.86 70 19.21 22.83 32.90 43.94 71 21.53 25.52 36.52 48.43 72 24.14 28.52 40.55 53.39 73 27.06 31.87 45.02 58.85 74 30.33 35.61 49.99 64.87 75 34.00 39.80 55.50 71.50 76 39.08 45.18 61.56 79.38 77 44.93 51.29 68.28 88.14 78 51.64 58.22 75.73 97.85 79 59.36 66.09 83.99 108.64 80 68.24 75.03 93.16 120.62


Medically U

nderwritten R

ates

NON-MEDICAL

RATES

Base Rate Riders

Issue Age Non


Disability Income

18 - 25 0.75 1.25 0.10 15.40 26 0.76 1.28 0.10 16.12 27 0.77 1.30 0.10 16.87 28 0.79 1.33 0.10 17.66 29 0.80 1.36 0.10 18.49 30 0.81 1.39 0.10 19.35 31 0.83 1.42 0.11 20.37 32 0.84 1.45 0.12 21.44 33 0.85 1.48 0.13 22.57 34 0.87 1.51 0.14 23.75 35 0.88 1.54 0.15 25.00 36 0.93 1.66 0.17 26.16 37 0.99 1.79 0.18 27.37 38 1.05 1.93 0.20 28.63 39 1.11 2.09 0.23 29.95 40 1.18 2.25 0.25 31.34 41 1.25 2.43 0.29 32.64 42 1.33 2.62 0.33 33.99 43 1.41 2.83 0.38 35.40 44 1.49 3.05 0.44 36.87 45 1.58 3.29 0.50 38.40 46 1.70 3.53 0.57 39.74 47 1.83 3.78 0.66 41.13 48 1.97 4.05 0.76 42.57 49 2.12 4.35 0.87 44.06 50 2.29 4.66 1.00 45.60 51 2.46 5.00 1.11 52 2.65 5.36 1.24 53 2.85 5.74 1.37 54 3.07 6.16 1.53 55 3.31 6.60 1.70 56 3.61 7.22 57 3.94 7.89 58 4.30 8.62 59 4.69 9.43 60 5.11 10.31 61 5.58 11.27 62 6.09 12.32 63 6.64 13.47 64 7.24 14.73 65 7.90 16.10 66 8.97 17.88 67 10.17 19.86 68 11.55 22.06 69 13.11 24.50 70 14.87 27.21


Non-Medical Rates - Female Rates per $1,000 10 Year Term Initial Level Premiums

Non

-Med

ical

Rat

es

Medically Underwritten Rates - Female Rates per $1,000 10 Year Term Initial Level Premiums Base Rate Riders


Non Nicotine


Waiver of Premium

Disability Income

18 - 25 0.53 0.75 0.88 1.25 0.10 15.40 26 0.54 0.76 0.90 1.28 0.10 16.12 27 0.56 0.77 0.93 1.30 0.10 16.87 28 0.57 0.79 0.95 1.33 0.10 17.66 29 0.58 0.80 0.98 1.36 0.10 18.49 30 0.60 0.81 1.00 1.39 0.10 19.35 31 0.61 0.83 1.03 1.42 0.11 20.37 32 0.63 0.84 1.05 1.45 0.12 21.44 33 0.64 0.85 1.08 1.48 0.13 22.57 34 0.66 0.87 1.11 1.51 0.14 23.75 35 0.68 0.88 1.14 1.54 0.15 25.00 36 0.72 0.93 1.22 1.66 0.17 26.16 37 0.76 0.99 1.32 1.79 0.18 27.37 38 0.80 1.05 1.42 1.93 0.20 28.63 39 0.85 1.11 1.53 2.09 0.23 29.95 40 0.90 1.18 1.64 2.25 0.25 31.34 41 0.95 1.25 1.77 2.43 0.29 32.64 42 1.00 1.33 1.91 2.62 0.33 33.99 43 1.06 1.41 2.05 2.83 0.38 35.40 44 1.12 1.49 2.21 3.05 0.44 36.87 45 1.19 1.58 2.38 3.29 0.50 38.40 46 1.29 1.70 2.55 3.53 0.57 39.74 47 1.39 1.83 2.73 3.78 0.66 41.13 48 1.50 1.97 2.92 4.05 0.76 42.57 49 1.62 2.12 3.12 4.35 0.87 44.06 50 1.76 2.29 3.34 4.66 1.00 45.60 51 1.90 2.46 3.58 5.00 1.11 52 2.05 2.65 3.83 5.36 1.24 53 2.22 2.85 4.09 5.74 1.37 54 2.40 3.07 4.38 6.16 1.53 55 2.59 3.31 4.69 6.60 1.70 56 2.83 3.61 5.16 7.22 57 3.08 3.94 5.68 7.89 58 3.36 4.30 6.25 8.62 59 3.67 4.69 6.87 9.43 60 4.00 5.11 7.56 10.31 61 4.36 5.58 8.32 11.27 62 4.76 6.09 9.16 12.32 63 5.19 6.64 10.08 13.47 64 5.67 7.24 11.09 14.73 65 6.18 7.90 12.20 16.10 66 7.03 8.97 13.74 17.88 67 7.99 10.17 15.47 19.86 68 9.08 11.55 17.42 22.06 69 10.33 13.11 19.62 24.50 70 11.74 14.87 22.09 27.21 71 13.35 16.88 24.87 30.23 72 15.17 19.16 28.01 33.57 73 17.25 21.74 31.54 37.29 74 19.61 24.67 35.51 41.42 75 22.30 28.00 39.99 46.00 76 25.41 32.28 44.52 52.13 77 28.96 37.22 49.57 59.07 78 33.01 42.91 55.19 66.94 79 37.62 49.48 61.45 75.86 80 42.87 57.04 68.42 85.96


Medically U

nderwritten R

ates

NON-MEDICAL

RATES

Base Rate Riders

Issue Age Non


Disability Income

18 - 25 1.10 2.10 0.12 12.38 26 1.11 2.14 0.13 12.63 27 1.13 2.17 0.13 12.89 28 1.14 2.21 0.14 13.16 29 1.16 2.25 0.14 13.43 30 1.17 2.29 0.15 13.70 31 1.19 2.33 0.16 14.24 32 1.20 2.37 0.17 14.81 33 1.22 2.41 0.18 15.40 34 1.23 2.46 0.19 16.01 35 1.25 2.50 0.20 16.65 36 1.35 2.72 0.22 17.69 37 1.47 2.95 0.24 18.79 38 1.59 3.21 0.27 19.96 39 1.73 3.49 0.30 21.21 40 1.87 3.79 0.33 22.53 41 2.03 4.12 0.39 24.32 42 2.20 4.48 0.46 26.25 43 2.38 4.87 0.54 28.33 44 2.58 5.29 0.64 30.57 45 2.80 5.75 0.75 33.00 46 3.06 6.27 0.83 35.21 47 3.34 6.84 0.92 37.57 48 3.65 7.46 1.02 40.09 49 3.99 8.14 1.13 42.78 50 4.36 8.88 1.25 45.65 51 4.77 9.69 1.34 52 5.21 10.57 1.45 53 5.69 11.53 1.56 54 6.22 12.58 1.67 55 6.80 13.72 1.80 56 7.51 15.11 57 8.28 16.64 58 9.14 18.32 59 10.09 20.17 60 11.14 22.21 61 12.30 24.46 62 13.57 26.93 63 14.98 29.66 64 16.53 32.66 65 18.25 35.96 66 20.81 40.86 67 23.74 46.44 68 27.07 52.77 69 30.87 59.97 70 35.21 68.15

13 Issue Age = age last birthday DI Rider rates = cost per $100

Add $100.00 Policy fee


Non

-Med

ical

Rat

es


Base Rate Riders Issue Age

Preferred Non-Nic

Non Nicotine


Waiver of Premium

Disability Income

18 - 25 0.82 1.05 1.55 2.10 0.12 12.38 26 0.83 1.05 1.57 2.14 0.13 12.63 27 0.84 1.06 1.58 2.17 0.13 12.89 28 0.84 1.06 1.60 2.21 0.14 13.16 29 0.85 1.07 1.62 2.25 0.14 13.43 30 0.86 1.07 1.63 2.29 0.15 13.70 31 0.87 1.08 1.65 2.33 0.16 14.24 32 0.88 1.08 1.67 2.37 0.17 14.81 33 0.88 1.09 1.68 2.41 0.18 15.40 34 0.89 1.09 1.70 2.46 0.19 16.01 35 0.90 1.10 1.72 2.50 0.20 16.65 36 0.96 1.19 1.87 2.72 0.22 17.69 37 1.03 1.30 2.02 2.95 0.24 18.79 38 1.10 1.41 2.20 3.21 0.27 19.96 39 1.17 1.53 2.38 3.49 0.30 21.21 40 1.25 1.66 2.59 3.79 0.33 22.53 41 1.34 1.80 2.81 4.12 0.39 24.32 42 1.43 1.95 3.05 4.48 0.46 26.25 43 1.53 2.12 3.30 4.87 0.54 28.33 44 1.64 2.30 3.59 5.29 0.64 30.57 45 1.75 2.50 3.89 5.75 0.75 33.00 46 1.93 2.73 4.26 6.27 0.83 35.21 47 2.12 2.98 4.66 6.84 0.92 37.57 48 2.34 3.25 5.10 7.46 1.02 40.09 49 2.57 3.55 5.58 8.14 1.13 42.78 50 2.83 3.87 6.11 8.88 1.25 45.65 51 3.12 4.23 6.68 9.69 1.34 52 3.43 4.61 7.32 10.57 1.45 53 3.78 5.04 8.01 11.53 1.56 54 4.16 5.50 8.76 12.58 1.67 55 4.58 6.00 9.59 13.72 1.80 56 5.11 6.71 10.55 15.11 57 5.71 7.50 11.61 16.64 58 6.37 8.38 12.78 18.32 59 7.11 9.36 14.07 20.17 60 7.94 10.46 15.48 22.21 61 8.86 11.70 17.04 24.46 62 9.89 13.07 18.75 26.93 63 11.04 14.61 20.63 29.66 64 12.32 16.33 22.71 32.66 65 13.75 18.25 24.99 35.96 66 15.87 20.81 28.49 40.86 67 18.31 23.74 32.49 46.44 68 21.13 27.07 37.04 52.77 69 24.38 30.87 42.23 59.97 70 28.14 35.21 48.15 68.15 71 31.38 38.23 51.67 71.77 72 34.99 41.52 55.45 75.58 73 39.02 45.08 59.50 79.59 74 43.51 48.96 63.85 83.81 75 48.52 53.16 68.52 88.26



Medically U

nderwritten R

ates

NON-MEDICAL

RATES


Base Rate Riders

Issue Age Non


Disability Income

18 - 25 0.87 1.50 0.12 15.40 26 0.89 1.54 0.13 16.12 27 0.90 1.58 0.13 16.87 28 0.92 1.62 0.14 17.66 29 0.94 1.67 0.14 18.49 30 0.96 1.71 0.15 19.35 31 0.97 1.76 0.16 20.37 32 0.99 1.80 0.17 21.44 33 1.01 1.85 0.18 22.57 34 1.03 1.90 0.19 23.75 35 1.05 1.95 0.20 25.00 36 1.13 2.11 0.22 26.16 37 1.21 2.28 0.24 27.37 38 1.29 2.47 0.27 28.63 39 1.39 2.67 0.30 29.95 40 1.48 2.89 0.33 31.34 41 1.59 3.13 0.39 32.64 42 1.71 3.38 0.46 33.99 43 1.83 3.66 0.54 35.40 44 1.96 3.96 0.64 36.87 45 2.10 4.28 0.75 38.40 46 2.26 4.60 0.83 39.74 47 2.43 4.94 0.92 41.13 48 2.61 5.31 1.02 42.57 49 2.81 5.71 1.13 44.06 50 3.02 6.14 1.25 45.60 51 3.25 6.60 1.34 52 3.50 7.09 1.45 53 3.76 7.62 1.56 54 4.04 8.19 1.67 55 4.35 8.80 1.80 56 4.77 9.67 57 5.24 10.63 58 5.75 11.69 59 6.30 12.84 60 6.92 14.12 61 7.59 15.52 62 8.33 17.06 63 9.14 18.75 64 10.03 20.61 65 11.00 22.65 66 12.84 26.13 67 14.98 30.14 68 17.49 34.76 69 20.41 40.10 70 23.82 46.25



Non

-Med

ical

Rat

es

Medically Underwritten Rates - Female Rates per $1,000 15 Year Term Initial Level Premiums


Preferred Non-Nic

Non Nicotine


Waiver of Premium

Disability Income

18 - 25 0.65 0.87 1.08 1.50 0.12 15.40 26 0.66 0.88 1.10 1.54 0.13 16.12 27 0.67 0.89 1.12 1.58 0.13 16.87 28 0.68 0.91 1.13 1.62 0.14 17.66 29 0.69 0.92 1.15 1.67 0.14 18.49 30 0.70 0.93 1.17 1.71 0.15 19.35 31 0.71 0.95 1.19 1.76 0.16 20.37 32 0.72 0.96 1.21 1.80 0.17 21.44 33 0.73 0.97 1.23 1.85 0.18 22.57 34 0.74 0.99 1.25 1.90 0.19 23.75 35 0.75 1.00 1.27 1.95 0.20 25.00 36 0.80 1.07 1.38 2.11 0.22 26.16 37 0.85 1.14 1.50 2.28 0.24 27.37 38 0.90 1.21 1.62 2.47 0.27 28.63 39 0.96 1.29 1.76 2.67 0.30 29.95 40 1.02 1.38 1.91 2.89 0.33 31.34 41 1.09 1.47 2.08 3.13 0.39 32.64 42 1.16 1.57 2.25 3.38 0.46 33.99 43 1.24 1.67 2.44 3.66 0.54 35.40 44 1.32 1.78 2.65 3.96 0.64 36.87 45 1.40 1.90 2.88 4.28 0.75 38.40 46 1.52 2.04 3.11 4.60 0.83 39.74 47 1.65 2.19 3.35 4.94 0.92 41.13 48 1.79 2.35 3.61 5.31 1.02 42.57 49 1.95 2.52 3.90 5.71 1.13 44.06 50 2.11 2.70 4.21 6.14 1.25 45.60 51 2.29 2.90 4.54 6.60 1.34 52 2.49 3.11 4.89 7.09 1.45 53 2.71 3.34 5.28 7.62 1.56 54 2.94 3.59 5.69 8.19 1.67 55 3.19 3.85 6.14 8.80 1.80 56 3.49 4.27 6.76 9.67 57 3.82 4.74 7.44 10.63 58 4.19 5.26 8.18 11.69 59 4.58 5.84 9.00 12.84 60 5.02 6.48 9.91 14.12 61 5.50 7.19 10.90 15.52 62 6.02 7.98 12.00 17.06 63 6.59 8.85 13.20 18.75 64 7.22 9.82 14.53 20.61 65 7.90 10.90 15.99 22.65 66 9.33 12.74 18.48 26.13 67 11.01 14.90 21.36 30.14 68 13.00 17.42 24.69 34.76 69 15.35 20.37 28.53 40.10 70 18.12 23.82 32.98 46.25 71 21.49 27.46 36.55 50.11 72 25.50 31.66 40.51 54.29 73 30.25 36.50 44.90 58.82 74 35.88 42.08 49.77 63.72 75 42.56 48.52 55.16 69.04


Medically U

nderwritten R

ates

NON-MEDICAL

RATES

17

Issue Age = age last birthday

DI Rider rates = cos per $100 Add $100.00 Policy fee


Non

-Med

ical

Rat

es

Base Rate Riders

Issue Age Non


Disability Income

18 - 25 1.29 2.45 0.15 13.30 26 1.31 2.49 0.16 13.65 27 1.33 2.53 0.17 14.02 28 1.36 2.56 0.18 14.39 29 1.38 2.60 0.19 14.78 30 1.40 2.64 0.20 15.17 31 1.43 2.68 0.21 15.88 32 1.45 2.72 0.22 16.62 33 1.48 2.77 0.23 17.40 34 1.50 2.81 0.25 18.21 35 1.53 2.85 0.26 19.06 36 1.67 3.15 0.30 20.33 37 1.83 3.47 0.35 21.68 38 1.99 3.83 0.41 23.12 39 2.18 4.23 .047 24.66 40 2.38 4.67 .055 26.30 41 2.60 5.16 0.61 27.52 42 2.84 5.69 0.67 28.80 43 3.10 6.29 0.74 30.14 44 3.39 6.94 0.82 31.54 45 3.70 7.66 0.90 33.00 46 4.01 8.28 0.97 35.21 47 4.34 8.94 1.04 37.57 48 4.71 9.66 1.12 40.09 49 5.10 10.44 1.21 42.78 50 5.52 11.28 1.30 45.65 51 5.99 12.19 1.42 52 6.49 13.17 1.54 53 7.03 14.23 1.68 54 7.61 15.37 1.83 55 8.25 16.61 2.00 56 9.18 18.24 57 10.21 20.03 58 11.36 22.00 59 12.64 24.16 60 14.07 26.54 61 15.65 29.15 62 17.41 32.01 63 19.37 35.15 64 21.55 38.61 65 23.98 42.40

18


Preferred Non-Nic

Non Nicotine


Waiver of Premium

Disability Income

18 - 25 0.96 1.23 2.02 2.45 0.15 13.30 26 0.96 1.25 2.06 2.49 0.16 13.65 27 0.97 1.27 2.11 2.53 0.17 14.02 28 0.97 1.29 2.15 2.56 0.18 14.39 29 0.98 1.31 2.20 2.60 0.19 14.78 30 0.98 1.34 2.24 2.64 0.20 15.17 31 0.98 1.36 2.29 2.68 0.21 15.88 32 0.99 1.38 2.34 2.72 0.22 16.62 33 0.99 1.40 2.39 2.77 0.23 17.40 34 1.00 1.43 2.44 2.81 0.25 18.21 35 1.00 1.45 2.49 2.85 0.26 19.06 36 1.08 1.58 2.73 3.15 0.30 20.33 37 1.17 1.72 2.99 3.47 0.35 21.68 38 1.26 1.87 3.28 3.83 0.41 23.12 39 1.36 2.03 3.59 4.23 0.47 24.66 40 1.47 2.21 3.93 4.67 0.55 26.30 41 1.59 2.41 4.31 5.16 0.61 27.52 42 1.71 2.62 4.72 5.69 0.67 28.80 43 1.85 2.85 5.17 6.29 0.74 30.14 44 2.00 3.11 5.67 6.94 0.82 31.54 45 2.16 3.38 6.21 7.66 0.90 33.00 46 2.41 3.69 6.75 8.28 0.97 35.21 47 2.68 4.04 7.33 8.94 1.04 37.57 48 2.99 4.41 7.97 9.66 1.12 40.09 49 3.33 4.82 8.66 10.44 1.21 42.78 50 3.71 5.26 9.41 11.28 1.30 45.65 51 4.14 5.75 10.22 12.19 1.42 52 4.61 6.29 11.11 13.17 1.54 53 5.14 6.87 12.07 14.23 1.68 54 5.73 7.50 13.11 15.37 1.83 55 6.38 8.20 14.25 16.61 2.00 56 7.16 9.13 15.69 18.24 57 8.03 10.16 17.27 20.03 58 9.01 11.31 19.01 22.00 59 10.10 12.60 20.93 24.16 60 11.34 14.02 23.04 26.54 61 12.72 15.61 25.36 29.15 62 14.27 17.38 27.92 32.01 63 16.00 19.35 30.74 35.15 64 17.95 21.54 33.84 38.61 65 20.14 23.98 37.25 42.40



DI Rider rates = cost per $100 Add $60.00 Policy fee

Medically U

nderwritten R

ates

NON-MEDICAL

RATES


Base Rate Riders

Issue Age

Non Nicotine Nicotine

Waiver of Premium

Disability Income

18 - 25 0.95 1.65 0.15 17.10 26 0.97 1.68 0.16 17.89 27 0.99 1.71 0.17 18.72 28 1.01 1.75 0.18 19.59 29 1.03 1.78 0.19 20.50 30 1.05 1.82 0.20 21.45 31 1.07 1.85 0.21 22.53 32 1.09 1.89 0.22 23.66 33 1.11 1.92 0.23 24.84 34 1.14 1.96 0.25 26.09 35 1.16 2.00 0.26 27.40 36 1.27 2.22 0.30 28.65 37 1.39 2.46 0.35 29.97 38 1.52 2.72 0.41 31.34 39 1.66 3.02 0.47 32.77 40 1.81 3.34 0.55 34.27 41 1.98 3.71 0.61 35.06 42 2.17 4.11 0.67 35.87 43 2.37 4.55 0.74 36.69 44 2.59 5.04 0.82 37.54 45 2.83 5.59 0.90 38.40 46 3.05 6.00 0.97 39.74 47 3.28 6.45 1.04 41.13 48 3.53 6.92 1.12 42.57 49 3.80 7.43 1.21 44.06 50 4.09 7.98 1.30 45.60 51 4.41 8.57 1.42 52 4.74 9.21 1.54 53 5.11 9.89 1.68 54 5.50 10.62 1.83 55 5.92 11.40 2.00 56 6.50 12.51 57 7.13 13.73 58 7.82 15.06 59 8.58 16.53 60 9.42 18.14 61 10.34 19.90 62 11.34 21.84 63 12.45 23.96 64 13.66 26.29 65 14.99 28.85

19

Issue Age = age last birthday DI Rider rates = cost per $100 Add $100.00 Policy fee

Non

-Med

ical

Rat

es

20

Medically Underwritten Rates - Female Rates per $1,000 20 Year Term Initial Level Premiums Base Rate Riders

Issue Age

Preferred Non-Nic

Non Nicotine


Waiver of Premium

Disability Income

18 - 25 0.80 0.95 1.34 1.65 0.15 17.10 26 0.81 0.97 1.38 1.68 0.16 17.89 27 0.82 0.98 1.43 1.71 0.17 18.72 28 0.83 1.00 1.47 1.75 0.18 19.59 29 0.83 1.02 1.52 1.78 0.19 20.50 30 0.84 1.04 1.57 1.82 0.20 21.45 31 0.85 1.05 1.62 1.85 0.21 22.53 32 0.86 1.07 1.67 1.89 0.22 23.66 33 0.87 1.09 1.73 1.92 0.23 24.84 34 0.88 1.11 1.78 1.96 0.25 26.09 35 0.89 1.13 1.84 2.00 0.26 27.40 36 0.95 1.22 2.00 2.22 0.30 28.65 37 1.01 1.31 2.18 2.46 0.35 29.97 38 1.08 1.42 2.37 2.72 0.41 31.34 39 1.15 1.53 2.57 3.02 0.47 32.77 40 1.23 1.65 2.80 3.34 0.55 34.27 41 1.31 1.78 3.04 3.71 0.61 35.06 42 1.40 1.91 3.31 4.11 0.67 35.87 43 1.49 2.06 3.59 4.55 0.74 36.69 44 1.59 2.23 3.91 5.04 0.82 37.54 45 1.70 2.40 4.25 5.59 0.90 38.40 46 1.86 2.60 4.56 6.00 0.97 39.74 47 2.04 2.82 4.89 6.45 1.04 41.13 48 2.24 3.06 5.25 6.92 1.12 42.57 49 2.45 3.32 5.63 7.43 1.21 44.06 50 2.68 3.61 6.04 7.98 1.30 45.60 51 2.94 3.91 6.47 8.57 1.42 52 3.22 4.24 6.94 9.21 1.54 53 3.53 4.61 7.45 9.89 1.68 54 3.87 5.00 7.99 10.62 1.83 55 4.24 5.42 8.57 11.40 2.00 56 4.75 6.00 9.42 12.51 57 5.33 6.64 10.36 13.73 58 5.97 7.35 11.40 15.06 59 6.69 8.14 12.53 16.53 60 7.50 9.01 13.78 18.14 61 8.41 9.98 15.16 19.90 62 9.42 11.05 16.67 21.84 63 10.56 12.23 18.33 23.96 64 11.84 13.54 20.16 26.29 65 13.27 14.99 22.17 28.85



Medically U

nderwritten R

ates

NON-MEDICAL

RATES

Base Rate Riders

Issue Age Non


Disability Income

18 - 25 1.94 3.85 0.20 14.23

26 2.00 3.98 0.22 14.75

27 2.06 4.11 0.24 15.29

28 2.13 4.25 0.26 15.85

29 2.20 4.39 0.28 16.44

30 2.27 4.54 0.30 17.04

31 2.34 4.69 0.32 17.61

32 2.41 4.85 0.34 18.20

33 2.49 5.01 0.36 18.82

34 2.57 5.18 0.38 19.45

35 2.65 5.35 0.40 20.10

36 2.90 5.90 0.45 21.21

37 3.18 6.50 0.50 22.38

38 3.48 7.17 0.56 23.62

39 3.82 7.91 0.63 24.92

40 4.18 8.72 0.70 26.30

41 4.58 9.61 0.75 27.52

42 5.02 10.60 0.81 28.80

43 5.50 11.68 0.87 30.14

44 6.02 12.88 0.93 31.54

45 6.60 14.20 1.00 33.00

46 7.12 14.87 1.12 35.21

47 7.67 15.57 1.27 37.57

48 8.27 16.31 1.45 40.09

49 8.91 17.08 1.65 42.78

50 9.61 17.89 1.88 45.65

21




Non

-Med

ical

Rat

es

22

Medically Underwritten Rates - Male Rates per $1,000 30 Year Term Initial Level Premiums Base Rate Riders

Issue Age

Preferred Non-Nic

Non Nicotine


Waiver of Premium

Disability Income

18 - 25 1.36 1.57 2.86 3.85 0.20 14.23

26 1.38 1.64 2.96 3.98 0.22 14.75

27 1.40 1.71 3.06 4.11 0.24 15.29

28 1.43 1.78 3.16 4.25 0.26 15.85

29 1.45 1.86 3.27 4.39 0.28 16.44

30 1.48 1.94 3.38 4.54 0.30 17.04

31 1.50 2.03 3.50 4.69 0.32 17.61

32 1.52 2.11 3.62 4.85 0.34 18.20

33 1.55 2.20 3.74 5.01 0.36 18.82

34 1.57 2.30 3.87 5.18 0.38 19.45

35 1.60 2.40 4.00 5.35 0.40 20.10

36 1.77 2.64 4.41 5.90 0.45 21.21

37 1.97 2.91 4.86 6.50 0.50 22.38

38 2.18 3.21 5.36 7.17 0.56 23.62

39 2.42 3.53 5.91 7.91 0.63 24.92

40 2.68 3.89 6.51 8.72 0.70 26.30

41 2.98 4.28 7.18 9.61 0.75 27.52

42 3.30 4.72 7.92 10.60 0.81 28.80

43 3.66 5.19 8.73 11.68 0.87 30.14

44 4.06 5.72 9.62 12.88 0.93 31.54

45 4.50 6.30 10.61 14.20 1.00 33.00

46 4.99 6.86 11.16 14.87 1.12 35.21

47 5.54 7.46 11.73 15.57 1.27 37.57

48 6.15 8.12 12.34 16.31 1.45 40.09

49 6.83 8.83 12.97 17.08 1.65 42.78

50 7.58 9.61 13.64 17.89 1.88 45.65



Medically U

nderwritten R

ates

NON-MEDICAL

RATES


Base Rate Riders

Issue Age Non


Disability Income

18 - 25 1.43 2.55 0.20 18.14

26 1.49 2.67 0.22 18.94

27 1.54 2.79 0.24 19.77

28 1.60 2.92 0.26 20.64

29 1.67 3.05 0.28 21.54

30 1.73 3.19 0.30 22.49

31 1.80 3.34 0.32 23.41

32 1.87 3.49 0.34 24.36

33 1.94 3.65 0.36 25.35

34 2.02 3.82 0.38 26.39

35 2.10 3.99 0.40 27.46

36 2.25 4.33 0.45 28.70

37 2.41 4.69 0.50 30.00

38 2.58 5.09 0.56 31.36

39 2.77 5.52 0.63 32.78

40 2.97 5.99 0.70 34.27

41 3.18 6.50 0.75 35.06

42 3.41 7.05 0.81 35.87

43 3.65 7.65 0.87 36.69

44 3.91 8.30 0.93 37.54

45 4.19 9.00 1.00 38.40

46 4.71 9.70 1.12 39.74

47 5.31 10.45 1.27 41.13

48 5.97 11.26 1.45 42.57

49 6.72 12.14 1.65 44.06

50 7.56 13.08 1.88 45.60

23



Non

-Med

ical

Rat

es

24

Medically Underwritten Rates - Female Rates per $1,000 30 Year Term Initial Level Premiums


Preferred Non-Nic

Non Nicotine


Waiver of Premium

Disability Income

18 - 25 1.02 1.40 1.91 2.55 0.20 18.14

26 1.04 1.43 1.99 2.67 0.22 18.94

27 1.06 1.46 2.08 2.79 0.24 19.77

28 1.08 1.50 2.17 2.92 0.26 20.64

29 1.10 1.53 2.27 3.05 0.28 21.54

30 1.12 1.57 2.37 3.19 0.30 22.49

31 1.14 1.60 2.47 3.34 0.32 23.41

32 1.16 1.64 2.58 3.49 0.34 24.36

33 1.18 1.67 2.70 3.65 0.36 25.35

34 1.20 1.71 2.82 3.82 0.38 26.39

35 1.22 1.75 2.94 3.99 0.40 27.46

36 1.32 1.91 3.18 4.33 0.45 28.70

37 1.42 2.08 3.45 4.69 0.50 30.00

38 1.54 2.27 3.73 5.09 0.56 31.36

39 1.66 2.48 4.04 5.52 0.63 32.78

40 1.80 2.70 4.38 5.99 0.70 34.27

41 1.94 2.95 4.74 6.50 0.75 35.06

42 2.10 3.21 5.13 7.05 0.81 35.87

43 2.27 3.51 5.56 7.65 0.87 36.69

44 2.45 3.82 6.02 8.30 0.93 37.54

45 2.65 4.17 6.52 9.00 1.00 38.40

46 3.10 4.70 7.16 9.70 1.12 39.74

47 3.63 5.29 7.87 10.45 1.27 41.13

48 4.25 5.96 8.64 11.26 1.45 42.57

49 4.97 6.71 9.49 12.14 1.65 44.06

50 5.82 7.56 10.43 13.08 1.88 45.60



Medically U

nderwritten R

ates

25

Return of Premium Rider

Now you have the perfect benefit for your clients who need the temporary Death Benefit protection offered by term life insurance and are also interested in receiving a refund of premiums. The Policy may be surrendered during the initial term period for a refund of premiums paid based on the number of years the Policy is in force (refer to schedule on page 26).

Not available on 10 or 15 Year Term Plan Not available on Substandard Policies

Issue Ages (age last birthday)

• 20 Year Term 18-65 • 30 Year Term 18-50

This extra benefit Rider provides for the return of the annual premiums paid, for the Policy and any additional riders, for the initial term period. This Rider will terminate upon Policy renewal however, the benefit (return of premiums paid during the initial term period) will continue throughout the life of the Policy.

If, however, the client chooses to terminate the Policy prior to the end of the initial term period, only a portion of the premiums will be returned. (refer to schedule on page 26).

All refunds will be decreased by any prior amount paid by Us under the Policy or any of its Riders.

Term Riders All Riders are available only at Policy Issue; benefits and availability may vary by state.

Some Riders not available on Substandard Policies.

Percentages may increase beyond the initial term period. Refer to your policy form for details. Note: California & Florida ROP factors

are listed in the shaded columns. All other states refer to non-shaded columns.

26

Return of Premium Rider Percentage Payable Upon Policy Surrender

End of Policy Year

Term Duration

20 YR 20 YR

(CA & FL) 30YR 30 YR

(CA & FL) 1 0% 0% 0% 0% 2 0% 0% 0% 0% 3 0% 0% 0% 0% 4 0% 0% 0% 0% 5 0% 0% 0% 0% 6 3% 8% 1% 2% 7 6% 14% 2% 4% 8 9% 15% 3% 5% 9 12% 15% 4% 5% 10 15% 15% 5% 5% 11 22% 26% 7% 8% 12 29% 35% 9% 12% 13 36% 42% 11% 14% 14 43% 47% 13% 15% 15 50% 50% 15% 15% 16 60% 63% 17% 19% 17 70% 74% 19% 23% 18 80% 84% 21% 25% 19 90% 93% 23% 25% 20 100% 100% 25% 25% 21 30% 32% 22 35% 39% 23 40% 44% 24 45% 48% 25 50% 50% 26 60% 63% 27 70% 75% 28 80% 85% 29 90% 95% 30 100% 100%

Return of Premium Factors Male

27

20 YR 30 YR Issue Age

Non- Nicotine Nicotine


18 - 25 1.45 1.40 1.08 1.08 26 1.48 1.44 1.09 1.09 27 1.51 1.47 1.10 1.09 28 1.54 1.51 1.12 1.10 29 1.57 1.54 1.13 1.11 30 1.60 1.58 1.14 1.12 31 1.62 1.62 1.15 1.12 32 1.65 1.65 1.16 1.13 33 1.68 1.69 1.18 1.14 34 1.71 1.72 1.19 1.14 35 1.74 1.76 1.20 1.15 36 1.74 1.75 1.20 1.15 37 1.74 1.74 1.20 1.15 38 1.73 1.74 1.20 1.15 39 1.73 1.73 1.20 1.15 40 1.73 1.72 1.20 1.15 41 1.73 1.71 1.20 1.15 42 1.73 1.70 1.20 1.15 43 1.72 1.70 1.20 1.15 44 1.72 1.69 1.20 1.15 45 1.72 1.68 1.20 1.15 46 1.71 1.67 1.20 1.15 47 1.70 1.66 1.20 1.15 48 1.69 1.65 1.20 1.15 49 1.68 1.64 1.20 1.15 50 1.67 1.63 1.20 1.15 51 1.66 1.61 52 1.65 1.60 53 1.64 1.59 54 1.63 1.58 55 1.62 1.57 56 1.61 1.55 57 1.59 1.52 58 1.58 1.50 59 1.56 1.47 60 1.55 1.45 61 1.53 1.43 62 1.52 1.40 63 1.50 1.38 64 1.49 1.35 65 1.47 1.33

Non-Nicotine = Preferred Non-Nicotine, and Non-Nicotine Nicotine = Preferred Nicotine and Nicotine

28

20 YR 30 YR Issue Age



18 - 25 1.45 1.45 1.10 1.10 26 1.48 1.51 1.11 1.12 27 1.51 1.56 1.12 1.13 28 1.55 1.62 1.13 1.15 29 1.58 1.67 1.14 1.16 30 1.61 1.73 1.15 1.18 31 1.64 1.78 1.16 1.19 32 1.67 1.84 1.17 1.21 33 1.71 1.89 1.18 1.22 34 1.74 1.95 1.19 1.24 35 1.77 2.00 1.20 1.25 36 1.77 1.97 1.20 1.25 37 1.76 1.94 1.20 1.25 38 1.76 1.92 1.20 1.26 39 1.75 1.89 1.20 1.26 40 1.75 1.86 1.20 1.26 41 1.74 1.83 1.20 1.26 42 1.74 1.80 1.20 1.26 43 1.73 1.78 1.20 1.27 44 1.73 1.75 1.20 1.27 45 1.72 1.72 1.20 1.27 46 1.71 1.71 1.20 1.27 47 1.70 1.70 1.20 1.27 48 1.69 1.69 1.20 1.27 49 1.68 1.68 1.20 1.27 50 1.68 1.67 1.20 1.27 51 1.67 1.66 52 1.66 1.65 53 1.65 1.64 54 1.64 1.63 55 1.63 1.62 56 1.62 1.60 57 1.60 1.57 58 1.59 1.55 59 1.57 1.53 60 1.56 1.51 61 1.54 1.48 62 1.53 1.46 63 1.51 1.44 64 1.50 1.41 65 1.48 1.39

Return of Premium Factors Female

Non-Nicotine = Preferred Non-Nicotine, and Non-Nicotine Nicotine = Preferred Nicotine and Nicotine

29

Waiver of Premium Issue ages: 18-55 Not available on Substandard Policies This rider waives the premium due if the Insured becomes totally disabled. Until the Insured has been disabled for a continuous period of 6 months premiums must be paid. However, we will refund the six months of premiums paid once the claim has been approved. Unless the Insured is disabled, coverage will cease on the Policy anniversary on or after the Primary Insured’s 60th birthday.

Children’s Term Rider Available at issue for children age 15 days through age 17 years. Premium for this Rider is $6.00 per unit annually. The minimum benefit is 1 unit ($1,000) and the maximum benefit is 25 units ($25,000).

This Rider provides term insurance coverage for all children of the Insured and future children born or legally adopted. Coverage lasts to the child’s 25th birthday.

Upon termination, this Rider may be converted without evidence of insurability to any permanent life plan (other than term insurance) that is being issued by us and subject to the provisions in the Rider. The new Policy may be in an amount up to five times the Rider benefit to a maximum of $50,000. At conversion, any increase in the death benefit would require underwriting. All children proposed for coverage should be seen at time of application or an explanation should be submitted as to why they were not.

Accidental Death Benefit with Common Carrier to Age 75 Issue ages: 18-65 Not available on Substandard Policies Maximum Issue Limit: $300,000 Premium: $0.91 per $1000 annually Coverage will cease on the Policy anniversary on or after the Insured’s 75th birthday.

Accidental Death Benefit Common Carrier Accidental Death Benefit Please see page 58 for Rider details. This Rider provides identical benefits under the Term and Universal Life Plans.

Disability Income Rider Issue ages 18-50 Not available on Substandard Policies

After a 90 day elimination period, this Rider provides a monthly benefit for up to 2 years while the Insured is totally disabled.

Premiums for this Rider are guaranteed for 1 year. The maximum monthly benefit is the lesser of $1,800, or 1.5% of the face amount. Premiums are based on number of $100 units of monthly benefit. This rider expires at age 60 however, if the disability occurs prior to age 60 benefits can be paid until age 62.

This Rider will only be active during the Initial Term Period. Premiums and benefits will terminate upon Policy renewal.

Refer to your Disability Income Rider Occupation Listing for details on the qualifying occupations for this Rider.

Not available for Self Employed.

Critical Condition Rider Issue ages: 18-65 Not available on Substandard Policies

Upon receipt of proof of the first occurrence of a qualifying event, we will pay an accelerated benefit in a lump sum benefit amount. The Policy Owner can choose either a 25% or 50% benefit amount. This Rider will terminate after we have paid either 25% or 50%, depending on the benefit amount selected, of the original base Policy benefit in critical condition benefits. The remaining base Policy benefit will be adjusted according to the amount paid. No Rider (or combination of Riders) can accelerate more than 50% of the original base Policy benefit with a maximum of $250,000 payable.

This Rider will be made a part of the Policy contract for the Initial Term Period only. Premiums and benefits will terminate upon Policy renewal. The Death Benefit in the Policy will be reduced by any amount paid under this Rider.

Covered Conditions

Note: For a 50% benefit under this Rider, multiply the rates given on pages 31-34 by 2.

Alzheimer Disease Major Organ Transplant Benign Brain Tumor Multiple Sclerosis Blindness Paralysis Heart Attack Renal Failure HIV (Medical Personnel only) Severe Burns Life Threatening Internal Cancer Stroke

30

25% Critical Condition Rate

Male 25% Critical Condition Rate

Female


Non-Nicotine


Preferred Non-Nic

Non-Nicotine


18 - 25 0.39 0.49 0.74 0.94 0.55 0.68 1.04 1.31 26 0.40 0.50 0.77 0.97 0.58 0.72 1.12 1.41 27 0.41 0.52 0.79 1.00 0.62 0.77 1.21 1.51 28 0.42 0.53 0.82 1.03 0.66 0.83 1.31 1.62 29 0.44 0.55 0.85 1.06 0.71 0.89 1.42 1.74 30 0.45 0.57 0.88 1.10 0.76 0.95 1.54 1.87 31 0.50 0.63 0.97 1.21 0.81 1.01 1.62 1.95 32 0.56 0.69 1.07 1.33 0.86 1.07 1.71 2.04 33 0.62 0.77 1.18 1.46 0.92 1.13 1.80 2.13 34 0.70 0.85 1.31 1.60 0.98 1.20 1.90 2.22 35 0.78 0.94 1.45 1.76 1.05 1.28 2.01 2.33 36 0.86 1.04 1.60 1.94 1.12 1.36 2.16 2.52 37 0.95 1.16 1.76 2.13 1.19 1.45 2.33 2.73 38 1.06 1.28 1.94 2.35 1.27 1.54 2.51 2.95 39 1.17 1.42 2.13 2.59 1.36 1.64 2.70 3.20 40 1.30 1.58 2.35 2.85 1.45 1.75 2.91 3.46 41 1.44 1.74 2.56 3.09 1.52 1.84 3.04 3.60 42 1.59 1.92 2.78 3.36 1.61 1.94 3.17 3.75 43 1.75 2.12 3.02 3.65 1.69 2.04 3.31 3.90 44 1.94 2.33 3.29 3.96 1.78 2.15 3.46 4.06 45 2.14 2.58 3.58 4.30 1.88 2.27 3.61 4.22 46 2.37 2.81 3.85 4.56 2.04 2.44 3.74 4.28 47 2.63 3.07 4.14 4.83 2.21 2.63 3.88 4.34 48 2.92 3.35 4.46 5.12 2.40 2.84 4.03 4.40 49 3.24 3.66 4.80 5.42 2.61 3.06 4.18 4.47 50 3.60 4.00 5.17 5.75 2.83 3.30 4.33 4.53 51 3.81 4.18 5.48 6.07 2.96 3.42 4.48 4.71 52 4.03 4.37 5.80 6.42 3.11 3.54 4.64 4.90 53 4.27 4.57 6.15 6.79 3.25 3.66 4.80 5.09 54 4.52 4.78 6.51 7.18 3.41 3.79 4.96 5.30 55 4.78 5.00 6.90 7.59 3.57 3.93 5.14 5.51 56 4.98 5.24 7.00 7.67 3.64 4.00 5.30 5.67 57 5.20 5.48 7.10 7.77 3.72 4.07 5.46 5.83 58 5.42 5.74 7.20 7.86 3.80 4.15 5.64 6.00 59 5.65 6.02 7.30 7.95 3.87 4.22 5.82 6.17 60 5.89 6.30 7.40 8.05 3.96 4.30 6.00 6.35 61 6.09 6.52 7.57 8.22 4.03 4.39 6.20 6.54 62 6.30 6.76 7.75 8.39 4.10 4.47 6.40 6.74 63 6.52 6.99 7.94 8.57 4.18 4.56 6.61 6.94 64 6.74 7.24 8.12 8.75 4.26 4.66 6.82 7.15 65 6.98 7.50 8.32 8.94 4.34 4.75 7.05 7.37

Multiply annual rates by 2 for 50% Critical Condition benefit

31

Critical Condition Rider 10 Year Term



Male 25% Critical Condition Rate

Female


Non-Nicotine


Preferred Non-Nic

Non-Nicotine


18 - 25 0.51 0.62 0.96 1.16 0.63 0.77 1.16 1.44 26 0.52 0.65 1.00 1.21 0.67 0.83 1.26 1.56 27 0.54 0.67 1.05 1.27 0.72 0.89 1.37 1.69 28 0.56 0.70 1.10 1.33 0.78 0.96 1.50 1.83 29 0.58 0.73 1.15 1.39 0.84 1.04 1.64 1.99 30 0.60 0.77 1.20 1.45 0.90 1.12 1.79 2.16 31 0.66 0.84 1.30 1.58 0.95 1.18 1.87 2.24 32 0.73 0.92 1.41 1.71 1.01 1.24 1.96 2.33 33 0.80 1.01 1.53 1.86 1.06 1.31 2.05 2.42 34 0.88 1.11 1.66 2.02 1.13 1.38 2.15 2.52 35 0.98 1.23 1.80 2.20 1.19 1.45 2.26 2.62 36 1.08 1.36 1.98 2.42 1.27 1.55 2.42 2.81 37 1.19 1.51 2.19 2.66 1.35 1.66 2.59 3.03 38 1.31 1.67 2.41 2.92 1.44 1.77 2.77 3.26 39 1.45 1.85 2.66 3.21 1.54 1.90 2.97 3.51 40 1.60 2.05 2.93 3.53 1.64 2.03 3.18 3.78 41 1.76 2.23 3.14 3.78 1.72 2.14 3.30 3.91 42 1.93 2.42 3.37 4.05 1.81 2.25 3.43 4.05 43 2.12 2.63 3.62 4.35 1.90 2.37 3.56 4.19 44 2.32 2.85 3.89 4.66 2.00 2.50 3.70 4.34 45 2.55 3.10 4.17 5.00 2.10 2.63 3.85 4.50 46 2.75 3.30 4.45 5.24 2.24 2.77 3.98 4.55 47 2.96 3.52 4.75 5.48 2.40 2.91 4.12 4.61 48 3.19 3.75 5.06 5.74 2.56 3.07 4.26 4.66 49 3.43 3.99 5.40 6.02 2.73 3.23 4.41 4.72 50 3.70 4.25 5.76 6.30 2.92 3.40 4.57 4.78 51 3.94 4.43 6.03 6.57 3.05 3.51 4.71 4.96 52 4.19 4.62 6.32 6.84 3.19 3.63 4.87 5.15 53 4.45 4.82 6.61 7.13 3.33 3.75 5.03 5.34 54 4.74 5.03 6.92 7.44 3.48 3.87 5.19 5.55 55 5.04 5.25 7.25 7.75 3.63 4.00 5.37 5.76 56 5.28 5.48 7.50 8.00 3.70 4.08 5.53 5.91 57 5.53 5.72 7.76 8.26 3.78 4.16 5.69 6.07 58 5.79 5.97 8.03 8.53 3.86 4.24 5.86 6.23 59 6.06 6.23 8.31 8.81 3.94 4.32 6.03 6.40 60 6.35 6.50 8.60 9.10 4.02 4.40 6.22 6.58 61 6.59 6.78 8.87 9.36 4.10 4.48 6.41 6.76 62 6.84 7.06 9.15 9.64 4.17 4.56 6.60 6.95 63 7.10 7.36 9.44 9.92 4.25 4.64 6.81 7.15 64 7.37 7.67 9.73 10.20 4.33 4.72 7.01 7.35 65 7.65 8.00 10.04 10.50 4.41 4.80 7.23 7.56


32




Male 25% Critical Condition Rate Female


Non-Nicotine


Preferred Non-Nico

Non-Nicotine


18 - 25 0.67 0.81 1.20 1.50 0.74 0.90 1.33 1.66 26 0.70 0.85 1.26 1.57 0.79 0.97 1.44 1.79 27 0.73 0.90 1.33 1.65 0.85 1.04 1.57 1.94 28 0.77 0.94 1.40 1.73 0.92 1.13 1.71 2.09 29 0.81 0.99 1.48 1.81 0.99 1.22 1.86 2.27 30 0.85 1.04 1.56 1.90 1.07 1.32 2.03 2.45 31 0.93 1.14 1.66 2.03 1.12 1.38 2.11 2.53 32 1.01 1.24 1.78 2.18 1.18 1.45 2.20 2.62 33 1.11 1.36 1.90 2.33 1.24 1.52 2.30 2.71 34 1.21 1.49 2.03 2.50 1.31 1.60 2.40 2.80 35 1.32 1.63 2.17 2.68 1.38 1.68 2.50 2.90 36 1.46 1.79 2.38 2.93 1.47 1.79 2.67 3.11 37 1.61 1.96 2.62 3.20 1.56 1.92 2.84 3.33 38 1.77 2.16 2.88 3.51 1.67 2.05 3.03 3.57 39 1.96 2.37 3.17 3.84 1.78 2.20 3.23 3.83 40 2.16 2.60 3.49 4.20 1.90 2.35 3.45 4.10 41 2.32 2.79 3.72 4.47 2.00 2.48 3.57 4.23 42 2.49 2.99 3.96 4.76 2.10 2.61 3.69 4.35 43 2.67 3.20 4.22 5.07 2.21 2.75 3.81 4.49 44 2.86 3.43 4.50 5.40 2.33 2.90 3.94 4.62 45 3.07 3.68 4.80 5.75 2.45 3.05 4.08 4.77 46 3.25 3.82 4.97 5.86 2.56 3.14 4.21 4.82 47 3.44 3.97 5.16 5.96 2.67 3.24 4.35 4.87 48 3.64 4.12 5.35 6.07 2.79 3.34 4.50 4.92 49 3.85 4.28 5.55 6.19 2.92 3.44 4.65 4.97 50 4.07 4.45 5.76 6.30 3.05 3.55 4.80 5.03 51 4.29 4.67 6.05 6.59 3.20 3.68 4.95 5.21 52 4.52 4.91 6.36 6.90 3.35 3.81 5.10 5.39 53 4.77 5.15 6.68 7.22 3.51 3.95 5.26 5.59 54 5.03 5.41 7.01 7.55 3.67 4.09 5.43 5.79 55 5.30 5.69 7.37 7.90 3.85 4.24 5.60 6.00 56 5.57 5.96 7.74 8.28 3.91 4.30 5.75 6.15 57 5.86 6.25 8.14 8.68 3.98 4.37 5.91 6.31 58 6.15 6.55 8.55 9.10 4.04 4.43 6.08 6.47 59 6.47 6.86 8.99 9.54 4.11 4.50 6.25 6.63 60 6.80 7.20 9.45 10.00 4.18 4.57 6.43 6.80 61 7.16 7.56 9.91 10.46 4.24 4.63 6.61 6.98 62 7.54 7.94 10.38 10.93 4.30 4.70 6.80 7.17 63 7.94 8.34 10.88 11.43 4.37 4.77 7.00 7.36 64 8.36 8.76 11.41 11.95 4.43 4.83 7.21 7.55 65 8.80 9.20 11.96 12.50 4.50 4.90 7.42 7.75


33





Male 25% Critical Condition Rate Female


Non-Nicotine


Preferred Non-Nic

Non-Nicotine


18 - 25 0.98 1.18 1.66 1.90 1.09 1.32 1.75 2.13 26 1.06 1.28 1.82 2.10 1.21 1.46 1.93 2.35 27 1.14 1.38 1.99 2.33 1.33 1.62 2.14 2.60 28 1.24 1.49 2.17 2.57 1.47 1.79 2.37 2.87 29 1.34 1.62 2.38 2.85 1.63 1.99 2.62 3.17 30 1.45 1.75 2.60 3.15 1.80 2.20 2.90 3.51 31 1.57 1.90 2.78 3.38 1.90 2.32 3.01 3.61 32 1.70 2.07 2.96 3.62 2.00 2.44 3.13 3.72 33 1.84 2.24 3.16 3.88 2.10 2.56 3.25 3.83 34 1.99 2.44 3.37 4.15 2.21 2.70 3.37 3.94 35 2.15 2.65 3.60 4.45 2.33 2.84 3.50 4.06 36 2.32 2.84 3.89 4.78 2.46 3.00 3.70 4.32 37 2.50 3.04 4.20 5.13 2.59 3.17 3.92 4.59 38 2.70 3.26 4.53 5.51 2.73 3.35 4.15 4.89 39 2.92 3.50 4.89 5.91 2.87 3.55 4.39 5.20 40 3.15 3.75 5.28 6.35 3.03 3.75 4.65 5.53 41 3.37 4.01 5.69 6.66 3.16 3.92 4.94 5.86 42 3.60 4.29 6.14 6.98 3.30 4.09 5.26 6.21 43 3.85 4.59 6.62 7.32 3.44 4.28 5.59 6.59 44 4.12 4.91 7.14 7.68 3.59 4.47 5.94 6.98 45 4.40 5.25 7.70 8.05 3.75 4.67 6.32 7.40 46 4.68 5.54 8.04 8.52 3.97 4.88 6.55 7.67 47 4.96 5.83 8.38 8.99 4.19 5.10 6.79 7.94 48 5.24 6.12 8.72 9.46 4.41 5.32 7.03 8.21 49 5.52 6.41 9.06 9.93 4.63 5.53 7.26 8.48 50 5.80 6.70 9.40 10.40 4.85 5.75 7.50 8.75


34 Issue Age = age last birthday

Non-Medical = $100 Medically Underwritten = $60

35

Term Premium Calculation Worksheet

Base Premium Rate Total units of coverage (a)_______ x rate per thousand ________ (1) Accidental Death Total units of coverage Lesser of [(a), $300,000] _______ x rate per thousand $0.91 (2) + Waiver of Premium Total units of coverage [equal to (a)] _______ x rate per thousand ________ (3) + Critical Condition (25%) Total units of coverage _______ x rate per thousand ________ (4) + (*For 50%, multiply rate by 2) Disability Income ($100 monthly benefit) Total units of coverage _______ x rate per hundred _______ (5) + Child Rider (Unit cost per $1,000 of coverage) Total Units ______ x $6 (6) + Annual Policy Fee (7) +

Total Premium: (8)

[sum of 1 through 7]

Return of Premium ROP Factor (if elected) (9) x

Total Annual Premium: (10)

Modal Factors (11) x Semi-Annual 0.52 Mo. Bank Draft 0.0875

Modal Premium: (12)

Montana: Use Male Rates for both Male and Female applicants

Calculated premiums may vary slightly due to rounding—round UP with each calculation.

Universal Life Insurance C-100 & C-2

Product Specifications

Issue Ages: 0 to 85 (age last birthday)

Maturity Age: 100

Underwriting Classes • Preferred Non-Nicotine Ages 18 to 85 • Non-Nicotine Ages 0 to 85 • Preferred Nicotine Ages 18 to 85 • Nicotine Ages 18 to 85

Changes in Specified Amount Increases after policy year one Decreases after policy year three

Minimum Premium Monthly $15 • Semi-Annual $90 • Annual $180

Death Benefit Fixed Income Option This settlement option is designed to provide flexibility in how the death benefit will be paid. The Policy Owner can select a combination of lump sum and monthly income options to provide guaranteed monthly income to the beneficiary instead of the entire death benefit paid at the time of death.

Partial Surrender A Partial Surrender may be made on any monthly anniversary date after the first Policy year. The minimum withdrawal is $500.00 and a $25.00 processing fee will be charged. A pro rata surrender charge will also be deducted if applicable. The amount of the Partial Surrender cannot exceed the amount you would receive if you surrender the Policy.

Policy Loans Policy loans, in an amount that does not exceed the accumulation value less any surrender charge, are available any time.

The loan interest rate is 7.4%. On each Policy anniversary, the loan interest must be paid in advance. At the time the loan is made, interest for the year will be deducted from the loan amount received. Interest not paid when due will be added to the loan and will bear interest.

After the Policy has been in force for 10 years, the current interest rate credited to the amount borrowed will equal the loan interest rate, providing the new loan made does not exceed 10% of the account value.


36

37

C-100 The C-100 is a flexible premium, adjustable Universal Life contract that will mature at age 100. It offers the flexibility of Universal Life insurance and the guarantees of Whole Life.

The C-100 features level premiums to age 100 in a permanent life insurance plan. Like most Universal Life policies, it also offers flexible premiums, flexible death benefits, and in most cases, an income tax-free death benefit to beneficiaries. Cash values can accrue if your client chooses to pay above the required minimum premium.

When your clients ask for flexibility and security with affordable premiums... you have the answer with the C-100 UL.

Minimum Specified Amount Non-Nicotine and Nicotine*

• $50,000 Ages 0 to 49

• $35,000 Ages 50 to 70

* Nicotine rates available for age 18 and over


• $100,000 Ages 18 - 60 • $50,000 Ages 61 to age 70 • $35,000 Age 71 and above

Credited Interest Rate Each month interest will be credited to the accumulation value. This rate is guaranteed to never fall below 3%. The current credited rate will be adjusted monthly as necessary. An additional non-guaranteed 0.50% bonus will be credited in years 20 and later. Death Benefit Option Only the Level Death Benefit, Option A, will be available. The death benefit is the greater of the specified amount or the policy value multiplied by the corridor factor.

38

No Lapse Guarantees

Minimum Monthly Premium - 15 Year No Lapse Guarantee The premiums and death benefits will be guaranteed for 15 years. This policy will not enter into the grace period if on any monthly anniversary date the sum of the premiums paid, less any indebtedness and partial withdrawals, equals or exceeds the sum of all minimum monthly premiums beginning with the Policy date.

Extended No Lapse Guarantee to age 100 After the Minimum Monthly Premium (15 Year No Lapse Guarantee), the policy is guaranteed to remain in force to age 100 if the Extended No Lapse Guarantee Premium payment requirements are met.

Catch-Up Provision - Starting on the 15th Policy Anniversary and every fifth anniversary following, the Policy Owner must pay the difference between premiums paid less any indebtedness and partial withdrawals, and the sum of Extended No Lapse Guarantee Premiums due. If the Catch-Up premiums are not paid on these anniversaries, the Extended No Lapse Guarantee will no longer be in effect. Surrender Charge The surrender charge decreases to 0 at the beginning of Policy year 20. Per Unit Expense Charge The guaranteed maximum monthly expense charge will vary by issue age and rate class. Premium Load A guaranteed maximum of 5.0% level percent of premium load will be charged in all years.

39

Issue Age Non-Nicotine Nicotine

0-5 4.10 6 4.13 7 4.15 8 4.17 9 4.19 10 4.21 11 4.30 12 4.38 13 4.47 14 4.56 15 4.65 16 4.74 17 4.84 18 4.93 7.18 19 5.03 7.18 20 5.13 7.18 21 5.27 7.45 22 5.42 7.72 23 5.57 8.01 24 5.73 8.30 25 5.88 8.61 26 6.05 8.92 27 6.22 9.25 28 6.39 9.59 29 6.57 9.95 30 6.75 10.31 31 7.03 10.76 32 7.32 11.23 33 7.63 11.71 34 7.95 12.22 35 8.28 12.75 36 8.62 13.31 37 8.98 13.88

No Lapse to age 100 - Non-Medical Male - Annual Rates per $1,000


38 9.36 14.48 39 9.75 15.11 40 10.15 15.77 41 10.67 16.49 42 11.22 17.24 43 11.80 18.02 44 12.40 18.85 45 13.04 19.70 46 13.70 20.60 47 14.41 21.54 48 15.15 22.52 49 15.92 23.55 50 16.74 24.62 51 17.70 25.95 52 18.72 27.34 53 19.79 28.81 54 20.93 30.36 55 22.13 32.00 56 23.41 33.72 57 24.75 35.53 58 26.17 37.44 59 27.68 39.46 60 29.27 41.58 61 31.09 44.25 62 33.02 47.09 63 35.07 50.11 64 37.24 53.32 65 39.56 56.74 66 42.01 60.38 67 44.62 64.26 68 47.39 68.38 69 50.33 72.77 70 53.46 77.44


Extended No-Lapse Guarantee-Target

Target Target

40

No Lapse to age 100– Non-Medical Female - Annual Rates per $1,000


0-5 3.82 6 3.82 7 3.82 8 3.82 9 3.82 10 3.82 11 3.90 12 3.98 13 4.06 14 4.14 15 4.22 16 4.31 17 4.40 18 4.49 6.04 19 4.58 6.04 20 4.67 6.04 21 4.83 6.26 22 4.99 6.49 23 5.16 6.73 24 5.33 6.98 25 5.51 7.24 26 5.70 7.50 27 5.89 7.78 28 6.08 8.06 29 6.29 8.36 30 6.50 8.66 31 6.68 8.94 32 6.86 9.22 33 7.06 9.52 34 7.25 9.82 35 7.45 10.14 36 7.66 10.46 37 7.87 10.79


38 8.09 11.14 39 8.32 11.49 40 8.55 11.86 41 9.13 12.51 42 9.76 13.21 43 10.42 13.94 44 11.13 14.72 45 11.89 15.53 46 12.70 16.39 47 13.56 17.30 48 14.49 18.27 49 15.48 19.28 50 16.53 20.35 51 17.21 21.13 52 17.92 21.94 53 18.66 22.78 54 19.42 23.65 55 20.22 24.56 56 21.05 25.50 57 21.92 26.48 58 22.82 27.49 59 23.76 28.55 60 24.74 29.64 61 26.16 31.34 62 27.67 33.14 63 29.27 35.04 64 30.95 37.04 65 32.74 39.17 66 34.62 41.41 67 36.62 43.79 68 38.73 46.30 69 40.96 48.95 70 43.32 51.76

Extended No-Lapse Guarantee-Target


Target Target

41

Target

Issue Age

Preferred Non-Nic Non-Nicotine


All Non-Nicotine

All Nicotine

0-5 3.80 3.80 6 3.82 3.82 7 3.84 3.84 8 3.86 3.86 9 3.88 3.88 10 3.90 3.90 11 3.98 3.98 12 4.06 4.06 13 4.14 4.14 14 4.22 4.22 15 4.30 4.30 16 4.39 4.39 17 4.48 4.48 18 3.40 4.57 4.80 6.65 4.57 6.65 19 3.40 4.66 4.80 6.65 4.66 6.65 20 3.40 4.75 4.80 6.65 4.75 6.65 21 3.52 4.88 5.01 6.90 4.88 6.90 22 3.65 5.02 5.22 7.15 5.02 7.15 23 3.78 5.16 5.44 7.41 5.16 7.41 24 3.92 5.30 5.68 7.69 5.30 7.69 25 4.06 5.45 5.92 7.97 5.45 7.97 26 4.21 5.60 6.17 8.26 5.60 8.26 27 4.36 5.76 6.44 8.57 5.76 8.57 28 4.52 5.92 6.71 8.88 5.92 8.88 29 4.68 6.08 7.00 9.21 6.08 9.21 30 4.85 6.25 7.30 9.55 6.25 9.55 31 5.09 6.51 7.63 9.96 6.51 9.96 32 5.35 6.78 7.97 10.40 6.78 10.40 33 5.61 7.06 8.32 10.85 7.06 10.85 34 5.90 7.36 8.69 11.32 7.36 11.32 35 6.19 7.66 9.08 11.81 7.66 11.81 36 6.50 7.98 9.49 12.32 7.98 12.32 37 6.82 8.32 9.91 12.85 8.32 12.85 38 7.17 8.66 10.35 13.41 8.66 13.41 39 7.52 9.02 10.82 13.99 9.02 13.99 40 7.90 9.40 11.30 14.60 9.40 14.60 41 8.33 9.88 11.93 15.27 9.88 15.27 42 8.79 10.39 12.60 15.96 10.39 15.96 43 9.28 10.92 13.31 16.69 10.92 16.69 44 9.79 11.48 14.06 17.45 11.48 17.45

Extended No-Lapse Guarantee

No Lapse to age 100 - Medically Underwritten Male - Annual Rates per $1,000


42

No Lapse to age 100- Medically Underwritten Male - Annual Rates per $1,000

Extended No-Lapse Guarantee Target

Issue Age



All Non-Nicotine

All Nicotine

45 10.33 12.07 14.84 18.24 12.07 18.24 46 10.90 12.69 15.68 19.08 12.69 19.08 47 11.50 13.34 16.56 19.95 13.34 19.95 48 12.13 14.02 17.48 20.86 14.02 20.86 49 12.80 14.74 18.46 21.81 14.74 21.81 50 13.50 15.50 19.50 22.80 15.50 22.80 51 14.41 16.39 20.59 24.03 16.39 24.03 52 15.38 17.33 21.74 25.32 17.33 25.32 53 16.41 18.33 22.96 26.68 18.33 26.68 54 17.52 19.38 24.24 28.12 19.38 28.12 55 18.70 20.50 25.60 29.63 20.50 29.63 56 19.96 21.67 27.03 31.22 21.67 31.22 57 21.30 22.92 28.54 32.90 22.92 32.90 58 22.74 24.23 30.14 34.67 24.23 34.67 59 24.27 25.63 31.82 36.53 25.63 36.53 60 25.90 27.10 33.60 38.50 27.10 38.50 61 27.40 28.78 35.77 40.97 28.78 40.97 62 28.99 30.57 38.09 43.60 30.57 43.60 63 30.67 32.47 40.55 46.40 32.47 46.40 64 32.45 34.48 43.18 49.37 34.48 49.37 65 34.33 36.63 45.97 52.54 36.63 52.54 66 36.32 38.90 48.95 55.91 38.90 55.91 67 38.42 41.32 52.11 59.50 41.32 59.50 68 40.65 43.88 55.49 63.32 43.88 63.32 69 43.01 46.61 59.08 67.38 46.61 67.38 70 45.50 49.50 62.90 71.70 49.50 71.70 71 48.15 52.53 66.97 75.67 52.53 75.67 72 50.95 55.75 71.31 79.86 55.75 79.86 73 53.91 59.16 75.93 84.28 59.16 84.28 74 57.05 62.79 80.84 88.95 62.79 88.95 75 60.37 66.63 86.08 93.87 66.63 93.87 76 63.88 70.72 91.65 99.07 70.72 99.07 77 67.60 75.05 97.59 104.55 75.05 104.55 78 71.53 79.64 103.91 110.34 79.64 110.34 79 75.70 84.52 110.64 116.45 84.52 116.45 80 80.10 89.70 117.80 122.90 89.70 122.90 81 85.53 94.60 124.22 128.85 94.60 128.85 82 91.33 99.76 130.99 135.10 99.76 135.10 83 97.52 105.20 138.13 141.64 105.20 141.64 84 104.14 110.94 145.66 148.51 110.94 148.51 85 111.20 117.00 153.60 155.70 117.00 155.70


43

No Lapse to age 100 - Medically Underwritten Female - Annual Rates per $1,000


Target

Issue Age



All Non-Nicotine

All Nicotine

0-5 3.35 3.35 6 3.35 3.35 7 3.35 3.35 8 3.35 3.35 9 3.35 3.35 10 3.35 3.35 11 3.42 3.42 12 3.49 3.49 13 3.56 3.56 14 3.63 3.63 15 3.71 3.71 16 3.78 3.78 17 3.86 3.86 18 2.85 3.94 3.35 5.30 3.94 5.30 19 2.85 4.02 3.35 5.30 4.02 5.30 20 2.85 4.10 3.35 5.30 4.10 5.30 21 2.95 4.24 3.48 5.49 4.24 5.49 22 3.05 4.38 3.62 5.70 4.38 5.70 23 3.16 4.53 3.77 5.91 4.53 5.91 24 3.26 4.68 3.92 6.12 4.68 6.12 25 3.38 4.83 4.07 6.35 4.83 6.35 26 3.49 5.00 4.23 6.58 5.00 6.58 27 3.61 5.16 4.40 6.82 5.16 6.82 28 3.74 5.34 4.58 7.07 5.34 7.07 29 3.87 5.52 4.76 7.33 5.52 7.33 30 4.00 5.70 4.95 7.60 5.70 7.60 31 4.17 5.86 5.17 7.84 5.86 7.84 32 4.35 6.02 5.39 8.09 6.02 8.09 33 4.54 6.19 5.63 8.35 6.19 8.35 34 4.74 6.36 5.88 8.62 6.36 8.62 35 4.94 6.54 6.13 8.89 6.54 8.89 36 5.15 6.72 6.40 9.17 6.72 9.17 37 5.37 6.91 6.68 9.47 6.91 9.47 38 5.61 7.10 6.98 9.77 7.10 9.77 39 5.85 7.30 7.28 10.08 7.30 10.08 40 6.10 7.50 7.60 10.40 7.50 10.40 41 6.53 8.01 8.09 10.98 8.01 10.98 42 7.00 8.56 8.61 11.59 8.56 11.59 43 7.49 9.14 9.17 12.23 9.14 12.23 44 8.02 9.76 9.76 12.91 9.76 12.91

Extended No-Lapse Guarantee

44

No Lapse to age 100- Medically Underwritten Female - Annual Rates per $1,000

Extended No-Lapse Guarantee Target

Issue Age



All Non-Nicotine

All Nicotine

45 8.59 10.43 10.39 13.62 10.43 13.62 46 9.20 11.14 11.06 14.38 11.14 14.38 47 9.85 11.90 11.77 15.18 11.90 15.18 48 10.55 12.71 12.53 16.02 12.71 16.02 49 11.30 13.57 13.34 16.91 13.57 16.91 50 12.10 14.50 14.20 17.85 14.50 17.85 51 12.69 15.10 14.69 18.53 15.10 18.53 52 13.31 15.72 15.19 19.24 15.72 19.24 53 13.96 16.36 15.71 19.98 16.36 19.98 54 14.64 17.04 16.25 20.75 17.04 20.75 55 15.36 17.74 16.81 21.54 17.74 21.54 56 16.11 18.47 17.39 22.37 18.47 22.37 57 16.90 19.23 17.98 23.23 19.23 23.23 58 17.72 20.02 18.60 24.12 20.02 24.12 59 18.59 20.84 19.24 25.04 20.84 25.04 60 19.50 21.70 19.90 26.00 21.70 26.00 61 20.58 22.95 21.30 27.49 22.95 27.49 62 21.72 24.27 22.81 29.07 24.27 29.07 63 22.92 25.67 24.42 30.73 25.67 30.73 64 24.18 27.15 26.14 32.49 27.15 32.49 65 25.52 28.72 27.98 34.36 28.72 34.36 66 26.93 30.37 29.96 36.33 30.37 36.33 67 28.42 32.12 32.07 38.41 32.12 38.41 68 29.99 33.97 34.33 40.61 33.97 40.61 69 31.65 35.93 36.76 42.94 35.93 42.94 70 33.40 38.00 39.35 45.40 38.00 45.40 71 36.02 40.55 42.57 48.54 40.55 48.54 72 38.84 43.26 46.06 51.91 43.26 51.91 73 41.88 46.16 49.84 55.50 46.16 55.50 74 45.16 49.26 53.92 59.35 49.26 59.35 75 48.70 52.56 58.34 63.46 52.56 63.46 76 52.51 56.08 63.12 67.85 56.08 67.85 77 56.62 59.84 68.30 72.55 59.84 72.55 78 61.06 63.85 73.89 77.58 63.85 77.58 79 65.84 68.13 79.95 82.95 68.13 82.95 80 71.00 72.70 86.50 88.70 72.70 88.70 81 76.93 79.54 93.26 95.53 79.54 95.53 82 83.34 87.03 100.54 102.88 87.03 102.88 83 90.30 95.23 108.40 110.79 95.23 110.79 84 97.84 104.19 116.87 119.32 104.19 119.32 85 106.00 114.00 126.00 128.50 114.00 128.50


Minimum Premium 15 Year No Lapse Guarantee Male - Annual Rates per $1,000

45

Minimum Premiums

Issue Age



0-5 3.60 6 3.60 7 3.60 8 3.60 9 3.60 10 3.60 11 3.60 12 3.60 13 3.60 14 3.60 15 3.60 16 3.60 17 3.60 18 2.66 3.60 3.52 5.52 19 2.66 3.60 3.52 5.52 20 2.66 3.87 3.52 5.52 21 2.73 3.95 3.61 5.66 22 2.80 4.03 3.71 5.81 23 2.87 4.12 3.80 5.96 24 2.94 4.20 3.90 6.12 25 3.01 4.29 4.01 6.28 26 3.09 4.38 4.11 6.44 27 3.17 4.47 4.22 6.61 28 3.24 4.56 4.33 6.78 29 3.33 4.65 4.44 6.96 30 3.41 4.75 4.56 7.14 31 3.55 4.94 4.80 7.50 32 3.69 5.14 5.05 7.87 33 3.84 5.35 5.31 8.27 34 3.99 5.56 5.58 8.68 35 4.15 5.79 5.87 9.12 36 4.32 6.02 6.18 9.57 37 4.49 6.26 6.50 10.05 38 4.67 6.51 6.83 10.56 39 4.86 6.78 7.19 11.08 40 5.05 7.05 7.56 11.64 41 5.32 7.43 8.03 12.26 42 5.61 7.84 8.54 12.92 43 5.92 8.27 9.07 13.61 44 6.24 8.72 9.64 14.33


Minimum Premium 15 Year No Lapse Guarantee Male - Annual Rates per $1,000

46

Minimum Premiums

Issue Age



45 6.58 9.19 10.24 15.10 46 6.94 9.70 10.88 15.91 47 7.31 10.22 11.56 16.76 48 7.71 10.78 12.28 17.65 49 8.13 11.37 13.05 18.60 50 8.57 11.99 13.87 19.59 51 9.24 12.76 14.88 20.78 52 9.95 13.58 15.96 22.05 53 10.72 14.45 17.12 23.39 54 11.56 15.38 18.36 24.82 55 12.45 16.36 19.69 26.33 56 13.42 17.41 21.12 27.93 57 14.46 18.53 22.66 29.63 58 15.59 19.72 24.30 31.43 59 16.80 20.98 26.07 33.35 60 18.10 22.33 27.96 35.38 61 19.12 23.61 29.57 37.57 62 20.19 24.97 31.27 39.89 63 21.33 26.40 33.07 42.35 64 22.53 27.92 34.98 44.97 65 23.79 29.52 36.99 47.74 66 25.13 31.22 39.12 50.69 67 26.55 33.01 41.37 53.83 68 28.04 34.91 43.76 57.15 69 29.61 36.91 46.28 60.68 70 31.28 39.03 48.94 64.43 71 34.04 41.99 52.82 68.33 72 37.04 45.18 57.00 72.47 73 40.31 48.61 61.52 76.86 74 43.87 52.30 66.39 81.52 75 47.74 56.28 71.65 86.46 76 51.95 60.55 77.33 91.70 77 56.54 65.15 83.46 97.26 78 61.52 70.09 90.07 103.15 79 66.95 75.42 97.21 109.40 80 72.86 81.14 104.91 116.03 81 79.29 87.31 113.22 123.06 82 86.29 93.94 122.19 130.51 83 93.90 101.07 131.87 138.42 84 102.18 108.74 142.32 146.81 85 111.20 117.00 153.60 155.70


Minimum Premium 15 Year No Lapse Guarantee Female - Annual Rates per $1,000

47

Minimum Premiums

Issue Age



0-10 3.20 11 3.20 12 3.20 13 3.20 14 3.20 15 3.20 16 3.20 17 3.20 18 2.26 3.20 2.63 4.43 19 2.26 3.20 2.63 4.43 20 2.26 3.33 2.63 4.43 21 2.33 3.41 2.74 4.56 22 2.41 3.50 2.85 4.70 23 2.48 3.59 2.96 4.85 24 2.56 3.67 3.08 4.99 25 2.65 3.77 3.20 5.15 26 2.73 3.86 3.33 5.30 27 2.82 3.96 3.47 5.47 28 2.91 4.06 3.60 5.63 29 3.00 4.16 3.75 5.80 30 3.10 4.26 3.90 5.98 31 3.21 4.41 4.09 6.22 32 3.32 4.56 4.29 6.46 33 3.44 4.72 4.50 6.71 34 3.56 4.88 4.72 6.98 35 3.69 5.05 4.95 7.25 36 3.82 5.22 5.19 7.54 37 3.95 5.40 5.44 7.84 38 4.09 5.59 5.71 8.15 39 4.24 5.78 5.99 8.47 40 4.39 5.98 6.28 8.80 41 4.59 6.29 6.57 9.30 42 4.80 6.61 6.87 9.83 43 5.02 6.94 7.18 10.38 44 5.25 7.30 7.51 10.97 45 5.48 7.67 7.85 11.60 46 5.73 8.06 8.21 12.25 47 5.99 8.47 8.59 12.95


Minimum Premium 15 Year No Lapse Guarantee Female - Annual Rates per $1,000

48

Minimum Premiums

Issue Age



48 6.27 8.91 8.98 13.68 49 6.55 9.36 9.39 14.46 50 6.85 9.84 9.82 15.28 51 7.31 10.44 10.48 15.92 52 7.80 11.08 11.18 16.59 53 8.33 11.76 11.93 17.29 54 8.89 12.49 12.73 18.01 55 9.49 13.25 13.59 18.77 56 10.13 14.07 14.50 19.56 57 10.81 14.93 15.47 20.38 58 11.54 15.85 16.51 21.24 59 12.32 16.82 17.62 22.13 60 13.15 17.85 18.80 23.06 61 13.65 18.83 19.68 24.35 62 14.18 19.87 20.60 25.72 63 14.72 20.97 21.56 27.17 64 15.29 22.12 22.56 28.69 65 15.87 23.34 23.62 30.30 66 16.48 24.63 24.72 32.00 67 17.11 25.98 25.87 33.80 68 17.77 27.42 27.08 35.70 69 18.45 28.93 28.35 37.70 70 19.16 30.52 29.67 39.82 71 21.47 33.32 32.67 42.76 72 24.07 36.38 35.98 45.91 73 26.98 39.72 39.62 49.29 74 30.23 43.37 43.63 52.93 75 33.89 47.35 48.05 56.83 76 37.98 51.70 52.91 61.02 77 42.57 56.45 58.27 65.52 78 47.71 61.63 64.16 70.36 79 53.47 67.29 70.66 75.54 80 59.93 72.70 77.81 81.11 81 67.17 79.54 85.68 87.10 82 75.29 87.03 94.35 93.52 83 84.38 95.23 103.90 100.41 84 94.58 104.19 114.42 107.82 85 106.00 114.00 126.00 115.77


C-2 The C-2 is a flexible premium, adjustable Universal Life contract that will mature at age 100. The small face amounts available with this product are ideal for the middle-income market. The large span in Issue Age will also allow you to cover the juvenile age group as well as seniors who are interested in final expense coverage.

Minimum Specified Amount

Non-Medical Non-Nicotine and Nicotine*

• $25,000 Ages 0 to 54

• $10,000 Ages 55 to 70

* Nicotine rates available for age 18 and over


• $100,000 Ages 18 - 60 • $50,000 Ages 61 to 70 • $10,000 Ages 71+

Death Benefit Options Clients may choose between death benefit option A or B.

Option A, the Level Death Benefit option, is the greater of the Specified Amount or the Policy value times the death benefit ratio.

Option B, the Increasing Death Benefit option, is the greater of the Policy value plus the Specified Amount, or the Policy value times the death benefit ratio. No Lapse Guarantee The premium and death benefit will be guaranteed for 10 years for ages 0 - 49 and 5 years for ages 50 and up. The Policy will not enter a grace period if on any monthly anniversary date the sum of the premiums paid, less any indebtedness and partial withdrawals, equals or exceeds the sum of all minimum monthly premiums beginning with the Policy date.

49

Surrender Charge The surrender charge decreases to 0 at the beginning of Policy year 15. Monthly Expense Charge The guaranteed maximum monthly expense charge is $6.00 in all Policy years. The non-guaranteed monthly expense charge is $6.00 in Policy years 1 to 14, no charge in Policy years 15 and after. Premium Load The guaranteed maximum level percent of premium load is 6% in all Policy years. The non-guaranteed level percent of premium load is 6% in Policy years 1 to 14, no charge in Policy years 15 and after.

50

Base Plan Minimum and Target Premiums Male - Annual Rates per $1,000

Minimum Premiums Target

Issue Age

All Non-Nicotine

All Nicotine



0-1 1.47 2.05 2 1.47 2.11 3 1.47 2.20 4 1.47 2.28 5 1.48 2.37 6 1.54 2.47 7 1.61 2.57 8 1.70 2.68 9 1.79 2.80 10 1.90 2.93 11 2.02 3.05 12 2.12 3.19 13 2.22 3.32 14 2.31 3.46 15 2.38 3.61 16 2.41 3.75 17 2.43 3.90 18 2.34 2.44 3.20 3.30 4.11 5.66 19 2.35 2.45 3.22 3.31 4.23 5.85 20 2.36 2.46 3.23 3.32 4.35 6.06 21 2.37 2.46 3.24 3.33 4.49 6.26 22 2.38 2.47 3.26 3.35 4.64 6.48 23 2.38 2.48 3.27 3.36 4.79 6.72 24 2.39 2.49 3.28 3.40 4.95 6.97 25 2.40 2.50 3.34 3.46 5.13 7.24 26 2.44 2.55 3.42 3.54 5.34 7.55 27 2.50 2.62 3.51 3.66 5.56 7.86 28 2.56 2.70 3.63 3.79 5.80 8.21 29 2.65 2.80 3.77 3.95 6.05 8.58 30 2.74 2.90 3.94 4.14 6.32 8.98 31 2.84 3.03 4.14 4.35 6.60 9.40 32 2.96 3.17 4.35 4.61 6.89 9.83 33 3.09 3.33 4.60 4.89 7.21 10.30 34 3.23 3.50 4.86 5.19 7.54 10.79 35 3.38 3.68 5.15 5.54 7.89 11.31 36 3.53 3.88 5.45 5.93 8.26 11.81 37 3.68 4.08 5.78 6.34 8.64 12.35 38 3.85 4.29 6.12 6.78 9.04 12.91 39 4.03 4.52 6.47 7.24 9.46 13.50 40 4.21 4.76 6.84 7.72 9.92 14.11 41 4.41 5.01 7.23 8.23 10.39 14.76 42 4.63 5.28 7.64 8.76 10.89 15.44 43 4.85 5.56 8.07 9.32 11.41 16.14


52

Base Plan Minimum and Target Premiums Male - Annual Rates per $1,000


Issue Age

Preferred Non-Nic

All

Non-Nicotine All

Nicotine PreferredNicotine Nicotine Non-Nicotine

44 5.10 5.86 8.51 9.90 11.96 16.89 45 5.36 6.18 8.98 10.52 12.55 17.66 46 6.20 7.09 10.15 11.83 13.12 18.41 47 7.06 8.00 11.33 13.13 13.74 19.20 48 7.93 8.93 12.50 14.44 14.38 20.03 49 8.81 9.87 13.68 15.74 15.07 20.89 50 9.70 10.82 14.87 17.03 15.79 21.81 51 10.60 11.79 16.05 18.33 16.56 22.77 52 11.51 12.76 17.24 19.62 17.37 23.79 53 12.44 13.75 18.43 20.91 18.23 24.86 54 13.37 14.74 19.62 22.20 19.13 25.99 55 14.32 15.75 20.82 23.49 20.10 27.18 56 14.93 16.49 21.90 24.52 21.08 28.57 57 15.57 17.26 23.03 25.48 22.12 30.05 58 16.25 18.10 24.19 26.52 23.22 31.61 59 16.98 19.00 24.99 27.66 24.38 33.27 60 17.75 19.96 25.91 28.92 25.63 35.03 61 19.09 22.11 27.28 31.28 27.32 37.29 62 19.97 22.88 28.38 32.80 28.72 39.30 63 20.90 23.61 29.58 34.45 30.21 41.42 64 21.54 24.42 30.87 36.22 31.80 43.69 65 22.09 25.30 32.27 38.12 33.49 46.10 66 22.96 26.81 34.08 40.46 35.29 48.45 67 23.90 28.45 36.03 42.99 37.21 50.93 68 24.95 30.28 38.17 45.76 39.26 53.57 69 26.13 32.34 40.57 48.85 41.45 56.37 70 27.47 34.65 43.23 52.28 43.80 59.37 71 29.17 35.66 46.45 54.54 46.57 62.82 72 31.37 38.50 49.71 58.69 49.27 66.21 73 34.40 41.58 53.23 63.11 52.16 69.82 74 37.55 44.91 56.98 67.74 55.26 73.64 75 40.85 48.48 60.92 72.53 58.59 77.69 76 44.22 51.36 64.69 76.25 62.19 82.07 77 47.84 54.42 68.64 80.07 66.04 86.73 78 51.82 58.12 72.87 84.09 70.19 91.68 79 56.22 63.06 77.44 88.43 74.67 96.98 80 61.04 68.47 82.33 93.13 79.53 102.70 81 77.27 86.67 101.21 102.19 88.40 108.90 82 95.22 106.80 121.83 123.00 110.03 130.26 83 117.39 131.67 147.58 149.00 137.02 159.38 84 145.49 163.19 181.01 182.76 171.53 197.47

85 155.53 174.46 189.93 191.77 185.22 209.30


53

Base Plan Minimum and Target Premiums Female - Annual Rates per $1,000


Issue Age

All Non-Nicotine

All Nicotine


PreferredNicotine Nicotine

0-1 1.27 1.64 2 1.27 1.70 3 1.27 1.77 4 1.27 1.84 5 1.27 1.91 6 1.30 1.98 7 1.33 2.07 8 1.36 2.16 9 1.40 2.25 10 1.44 2.36 11 1.49 2.47 12 1.54 2.57 13 1.59 2.70 14 1.63 2.82 15 1.68 2.96 16 1.73 3.11 17 1.76 3.25 18 1.75 1.81 2.05 2.15 3.48 4.47 19 1.78 1.86 2.11 2.20 3.61 4.65 20 1.82 1.90 2.17 2.27 3.74 4.84 21 1.87 1.94 2.23 2.34 3.87 5.04 22 1.91 1.99 2.30 2.41 4.02 5.25 23 1.95 2.03 2.38 2.49 4.18 5.47 24 2.00 2.09 2.45 2.58 4.33 5.70 25 2.06 2.15 2.55 2.67 4.50 5.94 26 2.12 2.22 2.64 2.76 4.69 6.21 27 2.19 2.30 2.74 2.87 4.89 6.49 28 2.26 2.40 2.86 2.99 5.10 6.79 29 2.35 2.50 2.99 3.12 5.32 7.10 30 2.45 2.61 3.15 3.28 5.55 7.43 31 2.55 2.73 3.32 3.45 5.80 7.78 32 2.66 2.87 3.51 3.65 6.05 8.15 33 2.80 3.02 3.72 3.89 6.33 8.54 34 2.93 3.18 3.96 4.13 6.61 8.95 35 3.07 3.37 4.21 4.42 6.91 9.38 36 3.21 3.55 4.48 4.71 7.22 9.80 37 3.35 3.73 4.74 5.03 7.55 10.23 38 3.51 3.92 5.04 5.37 7.90 10.69 39 3.67 4.13 5.34 5.74 8.26 11.17 40 3.84 4.34 5.67 6.11 8.64 11.67 41 4.02 4.57 6.02 6.51 9.03 12.19 42 4.21 4.80 6.38 6.93 9.45 12.73 43 4.42 5.05 6.77 7.38 9.89 13.30


54

Base Plan Minimum and Target Premiums Female - Annual Rates per $1,000


44 4.63 5.31 7.19 7.85 10.35 13.89 45 4.88 5.60 7.65 8.35 10.84 14.51 46 5.59 6.35 8.62 9.37 11.34 15.16 47 6.31 7.11 9.60 10.39 11.87 15.85 48 7.04 7.87 10.58 11.42 12.43 16.56 49 7.78 8.65 11.57 12.45 13.02 17.31 50 8.52 9.44 12.56 13.49 13.65 18.10 51 9.28 10.24 13.56 14.53 14.30 18.92 52 10.05 11.04 14.56 15.58 15.00 19.77 53 10.82 11.86 15.56 16.63 15.73 20.67 54 11.61 12.68 16.57 17.68 16.50 21.59 55 12.40 13.52 17.58 18.74 17.31 22.55 56 12.75 13.89 18.06 19.38 18.13 23.47 57 13.11 14.28 18.56 20.05 18.99 24.45 58 13.53 14.73 19.13 20.82 19.91 25.48 59 14.01 15.25 19.80 21.72 20.89 26.59 60 14.57 15.85 20.60 22.77 21.94 27.79 61 15.73 17.62 22.02 24.69 23.43 29.44 62 16.42 18.36 23.04 25.58 24.63 30.80 63 17.14 19.16 23.80 26.53 25.91 32.26 64 17.89 20.01 24.43 27.49 27.29 33.80 65 18.66 20.67 25.07 28.48 28.74 35.43 66 19.65 21.63 26.02 29.78 30.32 37.21 67 20.19 22.68 27.05 31.18 32.01 39.09 68 20.82 23.87 28.24 32.79 33.82 41.12 69 21.57 25.26 29.65 34.69 35.79 43.30 70 22.49 26.89 31.37 36.96 37.91 45.66 71 23.82 27.25 33.62 38.06 40.45 48.47 72 25.10 29.39 35.88 41.01 42.94 51.21 73 26.54 31.79 38.35 44.19 45.63 54.16 74 29.18 34.40 40.95 47.53 48.53 57.30 75 32.35 37.25 43.70 51.01 51.68 60.65 76 35.68 39.52 45.99 53.63 55.01 64.23 77 39.37 42.99 49.68 56.38 58.62 68.08 78 43.53 47.54 54.15 59.32 62.53 72.22 79 48.24 52.68 59.20 62.58 66.80 76.73 80 53.50 58.42 64.81 66.18 71.46 81.66 81 66.52 72.64 79.38 80.13 76.57 87.06 82 81.12 88.58 95.65 96.56 91.14 99.46 83 98.84 107.93 115.36 116.45 112.17 121.17 84 121.04 132.17 140.17 141.51 138.75 148.72 85 132.19 144.34 151.30 152.73 153.07 162.15


Issue Age

All Non-Nicotine

All Nicotine


PreferredNicotine Nicotine

55

UL Riders All Riders are available only at Policy Issue; benefits and availability may vary by state.

Some Riders not available on Substandard Policies.

Terminal Illness and Extended Maturity Date benefits are

automatically included in the policy where available.

Terminal Illness Accelerated Benefit Provision This benefit allows the insured to access a portion of the Policy death benefit in the event the insured is diagnosed with a terminal illness where life expectancy is 12 months or less (24 months in Massachusetts). The election percentage shall be no greater than 50% of the Policy’s death benefit, with a maximum of $250,000.

Extended Maturity Date At any time before the maturity date, the Policy Owner may elect to extend the maturity age of 100. This Rider provides that after the Policy’s original maturity date:

• The death benefit will be the greater of the death benefit on the maturity date or the cash surrender value multiplied by 1.01. This amount will reflect a deduction for any outstanding indebtedness.

• No monthly deductions for COI or administrative fees will be made.

• Interest will continue to be credited to the Policy’s accumulation value.

• Policy loans will continue to accrue interest, loan payments will be accepted.

• Policy premium will no longer be accepted.

The Policy will remain in force until the death of the Insured, or the date that we receive written request to surrender the Policy.

This provision may not be exercised if it would disqualify the Policy as life insurance under the Internal Revenue Code.

Waiver of Specified Premium Issue ages: 18 to 55 Not available on Substandard Policies If the Insured is totally disabled for six consecutive months while the Rider is in force, We will waive the Specified Premium while the Insured is totally disabled as long as the Policy and Rider are in force. Premiums must be paid during the six months, however we will refund the six months of premiums paid once a claim has been approved. Unless the Insured is disabled, coverage will cease on the Policy anniversary on or after the Primary Insured’s 60th birthday.

56

Male Female Issue Age

Non-Nicotine Nicotine


18 0.94 1.15 1.80 2.22 19 0.98 1.20 1.87 2.31 20 1.02 1.25 1.95 2.41 21 1.07 1.30 2.03 2.51 22 1.11 1.36 2.12 2.62 23 1.16 1.42 2.22 2.74 24 1.22 1.49 2.31 2.86 25 1.27 1.55 2.42 2.99 26 1.33 1.63 2.53 3.12 27 1.39 1.70 2.64 3.27 28 1.46 1.79 2.77 3.42 29 1.53 1.87 2.89 3.57 30 1.61 1.97 3.03 3.74 31 1.69 2.07 3.17 3.92 32 1.78 2.18 3.32 4.11 33 1.87 2.30 3.48 4.30 34 1.97 2.42 3.65 4.51 35 2.08 2.56 3.82 4.73 36 2.20 2.70 4.01 4.96 37 2.33 2.86 4.21 5.21 38 2.46 3.03 4.42 5.47 39 2.61 3.21 4.64 5.75 40 2.77 3.41 4.87 6.04 41 2.94 3.63 5.13 6.36 42 3.13 3.86 5.40 6.69 43 3.33 4.11 5.68 7.05 44 3.55 4.39 5.99 7.44 45 3.79 4.69 6.33 7.87 46 4.06 5.03 6.71 8.34 47 4.35 5.40 7.11 8.85 48 4.66 5.80 7.54 9.39 49 5.01 6.23 8.02 9.99 50 5.40 6.73 8.55 10.66 51 5.85 7.30 9.16 11.43 52 6.31 7.88 9.78 12.21 53 6.79 8.48 10.42 13.02 54 7.29 9.11 11.09 13.87 55 7.84 9.81 11.83 14.80 Issue Age = age last birthday

Annual Target Premium per $100 of Specified Annual Premium to be Waived


57




18 0.04 0.06 0.04 0.06 19 0.04 0.06 0.04 0.06 20 0.04 0.06 0.05 0.06 21 0.04 0.07 0.05 0.06 22 0.04 0.07 0.05 0.07 23 0.05 0.07 0.06 0.08 24 0.05 0.07 0.06 0.08 25 0.05 0.08 0.07 0.09 26 0.05 0.08 0.07 0.10 27 0.05 0.08 0.08 0.10 28 0.05 0.09 0.08 0.11 29 0.06 0.09 0.09 0.12 30 0.06 0.10 0.10 0.14 31 0.07 0.11 0.10 0.15 32 0.07 0.12 0.11 0.16 33 0.08 0.13 0.12 0.18 34 0.09 0.15 0.14 0.20 35 0.10 0.17 0.15 0.22 36 0.11 0.19 0.17 0.25 37 0.12 0.22 0.19 0.28 38 0.14 0.25 0.22 0.33 39 0.16 0.29 0.25 0.38 40 0.18 0.33 0.28 0.44 41 0.20 0.39 0.32 0.50 42 0.23 0.45 0.37 0.58 43 0.27 0.52 0.41 0.66 44 0.31 0.61 0.47 0.75 45 0.36 0.71 0.53 0.86 46 0.41 0.83 0.60 0.98 47 0.48 0.96 0.68 1.11 48 0.55 1.12 0.78 1.27 49 0.64 1.30 0.89 1.45 50 0.75 1.52 1.02 1.66 51 0.89 1.79 1.18 1.92 52 1.04 2.11 1.37 2.22 53 1.23 2.49 1.59 2.58 54 1.45 2.92 1.85 2.99 55 1.72 3.43 2.16 3.47

Annual Target Premium per $1,000 of Specified Amount

Waiver of Monthly Deduction Issue ages: 18 to 55 Not available on Substandard Policies

If the Insured is totally disabled for six consecutive months while the Rider is in force, the monthly cost of insurance, any rider charges, and monthly expenses will not be deducted from the Accumulation Value. Deductions will be made during the six months, however we will credit any eligible deduction made during the six months once a claim has been approved. Unless the Insured is disabled, coverage will cease on the Policy anniversary on or after the Primary Insured’s 60th birthday.


Accidental Death Benefit with Common Carrier to Age 75 Issue ages: 0 to 59 Not available on Substandard Policies Maximum Issue Limit: $300,000 Coverage will cease on the Policy anniversary on or after the Insured’s 75th birthday.

Accidental Death Benefit If the Insured on this Policy dies within 90 days after an injury, while coverage under the Policy and this Rider is in force, the beneficiary will receive a total benefit amount equal to 200% of the Death Benefit in the Policy.

Common Carrier Accidental Death Benefit If the Insured on this Policy dies within 90 days after an injury which was sustained while riding as a fare paying passenger on a common carrier, while coverage under the Policy and this Rider is in force, the beneficiary will receive a total amount equal to 300% of the Death Benefit in the Policy.

The amount of ADB coverage is limited to a base face amount of $300,000. For example, if the base face amount is $400,000, and an accidental death occurs, the base Policy would pay $400,000 and the ADB Rider would pay $300,000 for a total of $700,000. If this was a common carrier death, the Rider would pay another $300,000 for a total of $1,000,000.

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Annual Target Rates per $1,000 Issue Issue Issue

Age Male Female Age Male Female Age Male Female 0 0.75 0.36 20 0.92 0.33 40 0.88 0.38 1 0.73 0.32 21 0.87 0.33 41 0.89 0.39 2 0.72 0.30 22 0.84 0.32 42 0.89 0.39 3 0.72 0.28 23 0.81 0.32 43 0.9 0.4 4 0.73 0.27 24 0.80 0.32 44 0.9 0.4 5 0.75 0.27 25 0.79 0.33 45 0.91 0.41 6 0.77 0.27 26 0.78 0.33 46 0.92 0.41 7 0.80 0.28 27 0.78 0.34 47 0.93 0.41 8 0.83 0.29 28 0.78 0.34 48 0.94 0.41 9 0.87 0.30 29 0.79 0.35 49 0.96 0.42

10 0.91 0.31 30 0.79 0.35 50 0.97 0.42 11 0.95 0.32 31 0.80 0.35 51 0.99 0.43 12 0.99 0.33 32 0.80 0.35 52 1.01 0.43 13 1.02 0.34 33 0.81 0.35 53 1.03 0.44 14 1.05 0.35 34 0.82 0.36 54 1.05 0.45 15 1.06 0.35 35 0.82 0.36 55 1.08 0.46 16 1.06 0.36 36 0.83 0.36 56 1.1 0.47 17 1.04 0.35 37 0.84 0.36 57 1.13 0.49 18 1.00 0.35 38 0.86 0.37 58 1.16 0.51 19 0.96 0.34 39 0.87 0.38 59 1.19 0.53 Issue Age = age last birthday

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Guaranteed Insurability Option Issue ages: 0 to 37 Not available on Substandard Policies The maximum option amount is equal to the base Policy up to $50,000. The minimum option amount is $2,500.

This extra benefit Rider provides options to purchase additional insurance without evidence of insurability upon 6 Option Dates.

Regular Option Dates are the Policy anniversaries following the Insured’s 25th, 28th, 31st, 34th, 37th, and 40th birthdays.

Alternative Option Dates also available prior to the Insured's 40th birthday are the date of the Insured’s marriage or birth or adoption of a child.

Issue Issue Age Rate Age Rate

0 0.78 20 1.27 1 0.79 21 1.33 2 0.80 22 1.40 3 0.81 23 1.47 4 0.82 24 1.54 5 0.84 25 1.61 6 0.85 26 1.68 7 0.87 27 1.75 8 0.88 28 1.82 9 0.90 29 1.89 10 0.92 30 1.96 11 0.95 31 2.02 12 0.97 32 2.08 13 1.00 33 2.14 14 1.03 34 2.20 15 1.06 35 2.26 16 1.09 36 2.30 17 1.13 37 2.34 18 1.17 19 1.22

Annual Target Premiums per $1,000


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Children’s Term Rider Available at issue for children age 15 days through age 17 years.

This Rider provides term insurance coverage for all children of the Insured and future children born or legally adopted. Coverage lasts to the child’s 25th birthday. All children proposed for coverage should be seen at time of application or an explanation should be submitted as to why they were not.

Upon termination, this Rider may be converted without evidence of insurability to any permanent life plan (other than term insurance) that is being issued by Us and subject to the provisions in the Rider. The new Policy may be in an amount up to five times the Rider benefit to a maximum of $50,000. At conversion, any increase in the death benefit would require underwriting.

Annual Rates Premium for this Rider is $5.00 per unit annually. The minimum benefit is 1 unit ($1,000) and the maximum benefit is 25 units ($25,000).

Critical Condition Rider C-2 only Issue ages: 0-65 Not available on Substandard Policies Upon receipt of proof of the first occurrence of a qualifying event, We will pay an accelerated benefit in a lump sum benefit amount. The Policy Owner can choose either a 25% or 50% benefit amount. This Rider will terminate after we have paid either 25% or 50%, depending on the benefit amount selected, of the original base Policy benefit in critical condition benefits. The remaining base Policy benefit will be adjusted according to the amount paid. No Rider (or combination of Riders) can accelerate more than 50% of the original base Policy benefit with a maximum of $250,000 payable.

The Death Benefit in the Policy will be reduced by any amount paid under this Rider.

Covered Conditions

Note: For a 50% benefit under this Rider, multiply the rates given on pages 61-62 by 2.

Alzheimer Disease Major Organ Transplant Benign Brain Tumor Multiple Sclerosis Blindness Paralysis Heart Attack Renal Failure HIV (Medical Personnel only) Severe Burns Life Threatening Internal Cancer Stroke

This Rider is available with C-2 only

25% Critical Condition Rider Target Annual Premiums per $1,000

of Specified Amount


All Non-Nicotine

All Nicotine

All Non-Nicotine

All Nicotine

0 0.37 0.37 1 0.38 0.38 2 0.39 0.39 3 0.40 0.40 4 0.41 0.41 5 0.42 0.42 6 0.43 0.43 7 0.44 0.44 8 0.45 0.46 9 0.46 0.48 10 0.47 0.50 11 0.49 0.51 12 0.50 0.52 13 0.52 0.55 14 0.54 0.56 15 0.56 0.59 16 0.58 0.61 17 0.59 0.62 18 0.61 0.90 0.65 1.03 19 0.64 0.94 0.68 1.09 20 0.67 0.98 0.71 1.13 21 0.70 1.02 0.75 1.18 22 0.73 1.06 0.79 1.23 23 0.77 1.11 0.82 1.29 24 0.81 1.16 0.86 1.35 25 0.85 1.22 0.89 1.41 26 0.89 1.28 0.93 1.46 27 0.94 1.35 0.97 1.52 28 0.99 1.41 1.00 1.58 29 1.05 1.49 1.04 1.64 30 1.11 1.58 1.08 1.69 31 1.17 1.67 1.13 1.76 32 1.23 1.77 1.18 1.83 Issue Age = age last birthday

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This Rider is available with C-2 only 62



All Non-Nicotine

All Nicotine

All Non-Nicotine

All Nicotine

43 2.25 3.23 1.83 2.82 44 2.36 3.41 1.91 2.95 45 2.49 3.60 1.98 3.06 46 2.62 3.78 2.06 3.18 47 2.75 3.98 2.14 3.30 48 2.90 4.21 2.22 3.43 49 3.05 4.42 2.30 3.55 50 3.20 4.65 2.38 3.69 51 3.35 4.89 2.48 3.82 52 3.51 5.12 2.56 3.96 53 3.67 5.38 2.65 4.11 54 3.84 5.63 2.73 4.25 55 4.00 5.89 2.82 4.38 56 4.16 6.14 2.91 4.52 57 4.32 6.40 2.99 4.65 58 4.48 6.67 3.07 4.78 59 4.64 6.94 3.14 4.92 60 4.81 7.21 3.22 5.05 61 4.99 7.51 3.30 5.18 62 5.16 7.80 3.38 5.32 63 5.33 8.11 3.46 5.47 64 5.49 8.43 3.54 5.62 65 5.65 8.74 3.61 5.76

42 2.13 3.07 1.77 2.72 41 2.02 2.90 1.70 2.62

39 1.82 2.60 1.56 2.42 40 1.92 2.75 1.62 2.52

33 1.31 1.87 1.23 1.90 34 1.38 1.98 1.27 1.98

37 1.63 2.34 1.44 2.23 38 1.73 2.47 1.50 2.32

35 1.46 2.09 1.33 2.06 36 1.55 2.21 1.38 2.14

25% Critical Condition Rider Target Annual Premiums per $1,000

of Specified Amount


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AIR Target Annual Rates per $1,000


All Non-Nicotine

All Nicotine

All Non-Nicotine

All Nicotine

0 1.29 1.02 1 1.29 1.02 2 1.31 1.03 3 1.34 1.05 4 1.36 1.07 5 1.40 1.10 6 1.43 1.12 7 1.47 1.15 8 1.52 1.18 9 1.57 1.22

10 1.63 1.25 11 1.69 1.29 12 1.74 1.33 13 1.80 1.37 14 1.85 1.41 15 1.90 1.45 16 1.94 1.50 17 1.98 1.54 18 2.01 3.23 1.58 2.33 19 2.05 3.30 1.63 2.41 20 2.08 3.38 1.67 2.50

Additional Insured Rider C-2 Only Issue ages: 0 to 70 This Rider can provide coverage until the base Insured’s death or any Insured’s age 100. The Rider can be converted at any time prior to age 75 to an individual permanent plan of insurance without evidence of insurability for an amount equal to the death benefit amount. If the Additional Insured has passed their 75th birthday, the conversion option is available within 90 days from the date of the death of the base Insured to which the Rider is attached. At conversion, any increase in the death benefit amount would require underwriting.

Maximum Issue limits: Primary Insured = up to 5 times the base Policy Any other Additional Insured = equal to the base Policy There is a maximum of 3 Additional Insureds per Policy

Minimum Issue limits: Equal to base plan minimum issue limits - please refer to page 47.

Persons eligible for coverage include: • Immediate Family: spouse, parents, siblings, children; • Business Partners;

Issue Age = age last birthday This Rider is available with C-2 only



All Non-Nicotine

All Nicotine

All Non-Nicotine

All Nicotine

32 2.87 5.01 2.44 3.97 33 2.98 5.22 2.53 4.14 34 3.09 5.44 2.62 4.32 35 3.20 5.67 2.71 4.51 36 3.33 5.92 2.81 4.71 37 3.45 6.17 2.91 4.92 38 3.58 6.43 3.02 5.13 39 3.72 6.71 3.13 5.35 40 3.86 6.99 3.24 5.57 41 4.12 7.45 3.41 5.90 42 4.39 7.95 3.61 6.24 43 4.70 8.47 3.81 6.61 44 5.03 9.04 4.04 7.00 45 5.39 9.64 4.30 7.43 46 5.78 10.28 4.58 7.90 47 6.21 10.98 4.89 8.39 48 6.68 11.72 5.22 8.91 49 7.19 12.52 5.59 9.47 50 7.74 13.37 5.99 10.05 51 8.35 14.29 6.43 10.66 52 9.00 15.26 6.90 11.31 53 9.71 16.29 7.42 12.00 54 10.47 17.39 7.99 12.73 55 11.30 18.56 8.61 13.50 56 12.19 19.80 9.28 14.30 57 13.16 21.11 10.03 15.18 58 14.21 22.49 10.85 16.14 59 15.34 23.96 11.76 17.19 60 16.55 25.52 12.76 18.34 61 17.85 27.17 13.86 19.58 62 19.23 28.91 15.04 20.91 63 20.67 30.75 16.29 22.33 64 22.20 32.69 17.62 23.84 65 23.82 34.75 19.05 25.44 66 25.56 36.95 20.60 27.18 67 27.46 39.32 22.31 29.08 68 29.56 41.90 24.25 31.20 69 31.93 44.72 26.49 33.61 70 34.56 47.75 29.02 36.28

31 2.77 4.81 2.36 3.81 30 2.68 4.62 2.28 3.66

28 2.51 4.28 2.13 3.37 29 2.59 4.44 2.20 3.51

23 2.20 3.64 1.82 2.78

26 2.37 3.99 2.00 3.12 27 2.43 4.13 2.06 3.24

25 2.30 3.86 1.94 3.00 24 2.25 3.75 1.88 2.89

21 2.12 3.46 1.72 2.59 22 2.16 3.55 1.77 2.68

AIR Target Annual Rates per $1,000


This Rider is available with C-2 only

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POLICY EFFECTIVE/DRAFT DATING – 1st Premium by Bank Draft

Draft Date Requested

on PAC

Date Policy Issued

Draft Date Policy Effective Date

None 1 – 31 3 days prior to Policy Effective

Date*

Policy Issue Date (policies issued on the 29th, 30th or 31st will have the effective date advanced to the 1st of the next month)

1 – 28 After requested draft date

Following month, on requested draft date

3 days after initial draft date*

1 - 28 Before requested draft date

Current month on requested draft date

3 days after initial draft date*

Bank Draft Date A premium will be drafted on the same day of each month. A specific draft date may be requested by the applicant. We cannot honor requests to draft monthly premiums on the 29th, 30th, or 31st of any month.

Post-dated checks must not be submitted. We cannot hold checks and cannot guarantee a post-dated check will not be deposited.

Important Dates

* 3-day dating applies to Universal Life only.

Application Date Applications must be dated the day the application is completed; not the day it is sent to the Home Office nor the date the insurance is to become effective.

Staledated Application An application dated 30 or more days prior to receipt will require a new application to be written with a current date.

Policy Effective Date Upon Underwriter approval, a Policy will become effective 3 days after the bank draft date on a Universal Life policy; same day of bank draft date for a Term policy.

General Information

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Topics * Menu Prompts

New Business/ Underwriting/ Risk Assessment/ Commissions Application Status Specific medical conditions or ailments Financial questions, Commission Support [email protected]

Press 1,1,1

Sales Support Product Information Illustration / Running of Software

1,1,1

Technical Support Technical Difficulties with Software Loading

1,1,1

Licensing/Contracting [email protected]

1,1,2

Premium Accounting Bank Draft Changes Premium Billing, Credit Card Payments [email protected]

1,1,6

Customer Service Change of Beneficiary, Ownership Policyowner services – Surrender, Loans [email protected]

1,1,5

Claims [email protected]

1,1,5

Supplies [email protected]

1,1,4

Faxes New Applications Amendments, Delivery Receipts, Medical Requirements Contract and Licensing/Service Requests

405-302-1491 405-302-1481 405-302-1486

* Remember to follow menu options, the above prompts are NOT extensions.

Contact List for Agents If you should have any questions concerning the processing of an application, the distribution of commissions, or Policy Service / Claims, please do not hesitate to contact the department(s) shown below. You may call during regular business hours/or/we also have email access for your convenience.

Mailing or Faxing Applications

Mail New Business to: The Chesapeake Life Insurance Company PO Box 269002 Oklahoma City, OK 73126-9002 (405) 848-0179 or (877) 543-3776 Overnight Mail The Chesapeake Life Insurance Company 1331 West Memorial Road, #112 Oklahoma City, OK 73114

• Use Cover Transmittal. • Include application, check, and any state

required forms. Fax New Business to: The Chesapeake Life Insurance Company Application Fax Number (405) 302-1491

• Use cover transmittal. • Fax all pages of application. Do not send the

original application to the home office. Retain the original application until the policy is issued, then destroy it.

• Fax all other state required forms. • For checking accounts, fax copy of blank

void check. If the blank void check or bank account verification form (debit card and savings account only) has not been received, we will continue to process the application through underwriting and if the information is not received at the time of issue, the policy will be issued COD. NOTE: No commission is paid until the bank information is received.

• Check box on application to draft for first premium.

Note: Faxed applications must have the initial premium paid through bank draft.

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Please use Cover Transmittal when mailing or faxing applications.

Web Site Access

Web address is www.thechesapeakelife.com Agent Services Login - Your User Name is your Home Office assigned Agent number, your initial password is the last six digits of your Social Security Number. The first time you log in, you will be prompted to change your password. Your new password must be at least 3 characters but no more than 12 characters long.

If you do not know your Agent Number, please contact your manager or the Home Office.

Information Available • General Information • Application Guidelines • Important Dates • Premium Guidelines • Policy Delivery • Commission Information • Basic information regarding your

policyholders or the policyholders of your sub agents

• Forms, applications and contracting kits • Agent Reporting, including copies of your

advance and commission statements • Contact an Agency Services representative

via email • Late Payment Offers • Advance in Commission Cycle Calendar • Advertising Approval Request Form

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The Chesapeake Life Insurance Company maintains an

A- (Excellent) Rating from the

A.M. Best Company

1331 West Memorial Road Oklahoma City, OK 73114

P.O. Box 269002

Oklahoma City, OK 73126-9002

(877) 543-3776

Application Fax Number: (405) 302-1491 General Use Fax Number: (405) 302-1481

www.thechesapeakelife.com

LPTAG 11/05

A.M. Best Rating is a rating prepared by independent analyst who evaluate and rate the financial strength of insurance companies. Ratings are reviewed and affirmed annually. The A- (Excellent) rating is the 4th highest of 16 ratings.

Chesapeake combo guide draft 23 Life/agentGuide.pdf · Our Commitment to you… At the Chesapeake...

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Transcript of Chesapeake combo guide draft 23 Life/agentGuide.pdf · Our Commitment to you… At the Chesapeake...