Concept 3

Concept 3 � is a universal life policy that is affordable to provide you with the necessary permanent life insurance coverage that you need. As with all universal life products, it provides an adjustable death benefit and extremely flexible premium. This product provides competitive cash value within the policy and has unique features which provide its flexibility and competitiveness.

Policy specifications:

Issue ages:....................................0-75

Minimum Face Amount:

Ages 0-59........................................$25,000
Issue Ages 60 +...............................$15,000
Preferred Class - All Ages..................$75,000

Maximum Coverage Period

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.