Term Options: 10, 15, 20 and 30 Years

Issue Ages: (Age Last Birthday)

• 10 Year: 18-75
• 15 Year: 18-70
• 20 Year: 18-65
• 30 Year: 18-55 (18-50 Tobacco Classes)

Minimum Face Amount: $25,000

Accelerated Underwriting:
$500,000 face amounts and below, ages 18-50
$350,000 face amounts and below, ages 51-65

Conversion Option Available

Riders Available at No Additional Premium: Accelerated Benefit Rider (Living Benefit)

Riders Available: Critical Illness Rider, Disability Waiver of Premium Rider, Other Insured Rider, Monthly Disability Income Rider, Accident Only Disability Income Rider, Children’s Term Insurance Rider, Return of Premium Rider (available on 20 and 30 year plans)