¦Benefit amounts from $5,000 to $100,000
      ¦Guaranteed to issue available 
      ¦Premiums will not increase for the initial guarantee period.

Issue Age Initial Guaranteed Period

18-40 30 Years
41-60 to age 70
61-70 10 Years

Premiums will change for subsequent periods. 

      ¦Level death benefit for as long as you own your policy – benefit does not decrease as you get older
      ¦Benefit amounts up to $100,000 with no medical exams (simplified underwriting) 
      ¦Employee benefit amounts up to $50,000, spouse up to $25,000 with only three qualifying questions**
      ¦Lifetime protection (if all premiums are paid) 
      ¦Portable 
      ¦Unemployment Benefit Rider (inherent in policy but subject to state approval), Accelerated Benefit Rider (automatically available at no

       charge in states where approved) and optional Children's Term Insurance Benefit Rider