Plan Selection
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You
can choose from 4 plans in which the premiums are guaranteed level for the
initial premium period, 10, 15, 20 or 30 years.
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Basic Options
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·
5 premium rate classes available, optimum class
based on underwriting
·
20% lower initial premium is available by selecting
a 2 to 5 year non-refundable initial premium (non-refundable after the free look period & can only be
paid once at issue)
·
Option to change your plan at a future date to a
Company-approved whole life or universal life plan without providing proof
of insurability (evidence-free exchange period is based on the type of plan
initially purchased)
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Customize Your Plan
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·
Waiver of Premium Rider waives premium payments
after 6 months of qualified disability
·
Guaranteed Insurability Rider allows the purchase
of additional insurance in the future without proof of insurability
·
Accidental Death Benefit Rider provides additional
benefits in the event of accidental death
·
Children’s Term Rider insures your children up to
age 25, including adopted & stepchildren
These
optional riders are available at additional cost.
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Sample Rates
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$150,000 Face Amount, Male,
Monthly Rates, 20-Year Plan
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CLASSES
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Age
30
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Age
40
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Age
50
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Age
60
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Select Preferred
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$15.75
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$19.67
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$41.54
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$92.03
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Preferred
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$16.43
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$22.50
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$45.99
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$105.80
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Non-Tobacco
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$19.26
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$29.52
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$58.28
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$131.45
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Preferred Tobacco
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$27.50
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$46.26
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$103.77
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$216.50
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Tobacco
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$32.63
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$56.93
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$122.27
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$266.99
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Rates based on PT-20/20. Policy Form TL-06 premiums increase
annually after initial level guaranteed premium period. Premiums increase annually thereafter. Plans are level death benefit term to 96
and have a two year contestable and suicide period; one year in CO &
ND. Benefits will be adjusted for
misstatements of age or gender. Not
available in all states.
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