Simplified Issue up to $100,000

Affordable Protection

for Long-Term Needs

• Final expenses

• Lifetime protection (if all premiums are paid)

• Builds guaranteed cash value that can be used as an emergency fund

• Options for the future (surrender value or reduced paid-up insurance)

• Accelerated Death Benefit and Seat Belt Benefit Riders included at no additional

cost in states where approved.

• Simplified underwriting – No medical exams!

• Short form application

• Permanent coverage with guaranteed death benefit, level premiums

Minimum death

benefit: $5,000

Maximum death benefit:

Issue Ages 18-60: $100,000

Issue Ages 61-80: $50,000

An additional benefit amount will be paid if the company receives satisfactory proof the insured died while

driving or riding in a private passenger vehicle in a covered accident. The vehicle must be equipped with

seat belt(s) and the seat belt(s) must have been in actual use by the insured at the time of the accident. The

additional benefit amount will be 10% of the amount of insurance shown on the policy specification page up

to a maximum of $10,000. This rider is automatically included without charge in states where approved. Not

approved in AK, CA, CT, DC, FL, GA, HI, MD, MA, MT, OR, PA, TN, UT, VA and WA.

Under the terms of this rider, the company will pay the policy owner up to 75% of the benefit basis, less the

same percentage of the policy loan, all discounted for one year using the accelerated death benefit interest

rate as of the date we receive written proof from the policy owner. The company will pay upon receipt of due

proof that the insured’s life expectancy is 12 months or less from the date the acceleration is requested. The

benefit basis for the primary insured is defined as the policy death benefit of the policy to which this rider

is attached, excluding any increases to the death benefit after the policy issue date; and, the death benefit

provided by any additional insured benefit rider covering the primary insured of the policy to which this rider is

attached. For any other insureds covered by an additional insured benefit rider of the policy to which this rider

is attached, the benefit basis is defined as the death benefit provided by an additional insured benefit rider

covering that other insured person. The accelerated benefit is only paid once and is a lump sum. This rider is

automatically included without charge in states where approved. Not approved in CA, CT and FL. (See below

Accelerated Death Benefit rider for these states.)

In the event the insured is diagnosed with a terminal illness, the policy owner can receive benefits up to 75%

of the face amount to a maximum of $250,000. This rider is only available in CA, CT and FL; it is automatically

available at no charge in these states.

• Lifetime coverage with only a few  health questions
•  No medical exam
•  Guaranteed death benefit–your policy cannot be cancelled as long as premiums are paid
•  Guaranteed level premiums–your premiums will never increase
•  Guaranteed cash values
•  Guaranteed options (surrender value or reduced paid-up)

Graded Death

Benefit

Year 1: Full death benefit if death is due to accident;               110% of premiums paid prior to death if death was due to natural causes

Year 2: Full death benefit if death is due to accident; 120%     of premiums paid prior to death if death was due to natural causes

Year 3 & thereafter: Full death benefit

Underwriting

Classes/Rates

Male/Female

•  Smoker/Nonsmoker: Have you smoked one or more cigarettes within the last 12 months?
•  Continuous pay to age 121

Minimum: $5,000

Maximum: $50,000