Universal life - a combination of term coverage and interest earnings. What a great combination...what a great concept! Depending upon which state you are licensed, you can offer one of our two Universal Life products to your clients.

Here are some of the product specifications:

Issue Ages 0 thru 75 Minimum Face Amount:       Issue Ages 0 - 59     Issue Ages 60 +     Preferred Class - All Ages $25,000 $15,000 $75,000

APR Calculator

Maximum Coverage Period	Planned Maturity Date - Age 100
Bands
Standard,     Smoker & Non-Smoker     Standard,     Smoker & Non-Smoker     Preferred	$15,000 - 74,999 $75,000 + $75,000 +
Minimum Modal Premium**
Issue Ages 0 thru 14	$15.00 if premiums are paid monthly by pre-authorized check and $25.00 for any other mode of payment.
Issue Ages 15 and older	$25.00 per payment
Maximum Term Riders	Twenty times the base insurance amount not to exceed $3 million.

If you would like information about this or any of the other products offered by United Heritage, Contact Us or Locate an Agent in your area.

**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.