Term Options: YRT, 10, 15, 20, 25 and 30 Years

Issue Ages for face amounts under $100,000 (Age Last Birthday):

• Super YRT: N/A
• Super 10: 18-80
• Super 15: 18-75 – nonsmokers; 18-70 – smokers
• Super 20: 18-65
• Super 25: 18-60 – nonsmokers; 18-55 – smokers
• Super 30: 18-50 – nonsmokers; 18-45 – smokers

Issues Ages for face amounts of $100,000 or over (Age Last Birthday):

• Super YRT: 18-80
• Super 10: 18-80
• Super 15: 18-78 – nonsmokers; 18-73 – smokers
• Super 20: 18-70 – nonsmokers; 18-65 – smokers
• Super 25: 18-65 – nonsmokers; 18-60 – smokers
• Super 30: 18-58 – nonsmokers; 18-53 – smokers

Minimum Face Amount:

• $25,000 for Standard Non-Tobacco and Standard Tobacco
• $100,000 for All Other Classes

Non-Med up to $99,999

Conversion Option Available

Riders included at no additional cost: Income Protection Option

Riders Available: Accelerated Death Benefit, Accident Indemnity, Children’s Insurance, Return of Premium*, Waiver of Premium

*Return of Premium not available on Trendsetter Super 20 or Trendsetter Super 30 as of 06/06/2015

Special Features:

• Advanced Premium Discount
• The occasional use of a cigar (1 per month or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine.