TUL-20

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Introduction

Tul-20 – is a revolutionary term/universal life product that provides the most economical premium to fit your needs. It also provides an attractive 20-year no lapse guarantee (10-year in California, 9-year in Texas). With its flexibility you can extend the guarantee beyond the 20 year guarantee by increasing the premium. Tul-20 offers the security of a guaranteed premium rate, cash value, and death benefit.

Here are some of the product specifics that you need to know:

Issue ages:

18 through 75 Minimum Base

• Issue ages 18-59..............$25,000
• Issue ages 60-75..............$15,000
• Preferred Class 18-75.......$100,000

No lapse Guarantee Period

The no lapse guarantee period is the number of years that the policy is guaranteed to remain in force provided the minimum annual premium** is paid even if the cash value is insufficient to cover monthly deductions. This guarantee period does not apply if policy loans or cash withdrawals are made during the no lapse guarantee period.

Texas - 9 years but not to go beyond age 80 California - 10 years but not to go beyond age 80 All other states - 20 years

Available Riders

• Accelerated Benefit: In the event the insured becomes terminally ill allows for a portion of the policy to be available.
• Decreasing Term Rider: available in 15-, 20-, 25-, and 30-year duration. Minimum face amount of $10,000.
• Legacy Level Term Rider: A 10, 15, or 20-year level term rider with $50,000 minimum face amount, provided the base policy and rider total $100,000.
• Accidental Death Benefit: Additional benefit paid on death due to an accident.
• Other Insured Riders: A) Spouse Coverage: Level term to Spouse's age of 70 or terminiation of policy (whichever comes first). B) Child Coverage: Level term coverage with issue ages 0-20 years. Expires at age 25 or until the base policy terminates (whichever comes first) 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.

If you would like information about the TUL-20 or any of the other premium products United Heritage has to offer, Contact Us or Locate an Agent in your area.