A traditional Permanent Life plan -- with added flexibility to meet your client's needs today and in the future.

Policy specifications: Issue ages 0-75 (Except in the state of Washington) Minimum Face Amount: Ages 0-17 $10,000 18-21 $10,000 22-80 $15,000 18-80 $100,000 (preferred) $30.00 policy fee Premiums:** Annual Semi-Annual (51% of annual) Monthly Preauthorized Payment Plan (Annual / 12 + .50) Term Rider: Twenty times base amount not to exceed $3,000,000

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• Accelerated Benefit: Allows for a portion of the policy, not to exceed the lesser of 75% of the face or $100,000, to be available in the event the insured becomes terminally ill.
• Decreasing Term Rider: An annual decreasing benefit rider is available in 15-, 20-, 25-, and 30-year duration. Minimum face amount of $10,000. Issue ages 18-65 for the 15-, 20-, 25-year; and 18-55 for the 30-year rider./li>
• Legacy Level Term Rider: A 15-year level term rider with $100,000 minimum face amount. May be converted prior to insurance age 70 to a permanent plan.
• Accidental Death Benefit: Additional benefit paid on death due to an accident. Contact company or refer to ratebook for complete details regarding what qualifies for benefit.
• Family/Children's Riders: A) Spouse Coverage: Decreasing term to Spouse's attainment age of 65. The amount of the spouse's benefit will be based upon attained age and number of units in force. B) Child Coverage: $1,000 of level term coverage for each covered child. Issued from 15 days old to 21 years. Expires at age 25 and can be converted to permanent coverage.
• Waiver of Premium: When total disability continues for more than six months, the premium will be waived during the continuance of total disability up to the expiry date of the policy.
• Paid-up Insurance Rider: Provides the policyholder the opportunity to purchase paid-up additional insurance at time of application for the base policy or at a later date if desired. Evidence of insurability is required.

**Premiums ordinarily may be paid annually or on a "modal" basis; semi-annually, quarterly or monthly.* The amount of a modal premium is greater than a simple fraction of the annual premium-for example, a quarterly premium is greater than 1/4 of an annual premium. This is because a modal premium includes adjustments for such factors as additional collection costs and the fact that the Company does not receive, and have the use of, the entire premium at the beginning of the policy year.

The difference between the total modal premiums for the year and the annual premium can be expressed in the form of an Annual Percentage Rate (APR). The modal premium APR equates the additional charges for a modal payment to the interest rate on an installment loan.** For example, at the beginning of the policy year, the amount of the "loan" would be the annual premium less the first modal premium.