GPM - Agent Kit

Term w/living benefits Training

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What are the Issue Ages?

	10 Year
Issue Ages	18-80
Available to Age	100
Minimum Face Amount	$25,000
Initial Premium Guarantee	10 Years
Renewable	Yes
Conversion Privilege	The policy can be converted to a permanent life insurance policy offered by GPM Life at the time of conversion. A decreasing term life insurance rider may be allowed on the permanent policy, as long as the total face amount and risk class are not increased.
Last Date to convert	Last day of policy year 8
Underwriting Classifications	No Tobacco Use: Preferred, Standard Plus, Standard Express
	Tobacco Use: Standard Plus, Standard Express

What Riders are available?

Waiver of Premium Benefit

Issue ages 18 through 59. Premium payable until age 65. If insured becomes totally disabled, the Waiver of Premium Benefit pays policy premiums; see policy for details; see Waiver of Premium rates.

Living Benefit Riders

Terminal Illness
Chronic Illness and
Critical Illness

Provided for no additional premium, where approved in the state of issue

On all Underwriting Risk Classes through Table D

Allows for an acceleration of a portion of the death benefit in the event of an eligible triggering event, subject to provisions of the rider form

What are the Issue Ages?

	15 Year
Issue Ages	18-70
Available to Age	100
Minimum Face Amount	$25,000
Initial Premium Guarantee	15 Years
Renewable	Yes
Conversion Privilege	The policy can be converted to a permanent life insurance policy offered by GPM Life at the time of conversion. A decreasing term life insurance rider may be allowed on the permanent policy, as long as the total face amount and risk class are not increased.
Last Date to convert	Last day of policy year 12
Underwriting Classifications	No Tobacco Use: Preferred, Standard Plus, Standard Express
	Tobacco Use: Standard Plus, Standard Express

What Riders are available?

Waiver of Premium Benefit

Issue ages 18 through 59. Premium payable until age 65. If insured becomes totally disabled, the Waiver of Premium Benefit pays policy premiums; see policy for details; see Waiver of Premium rates.

Living Benefit Riders

Terminal Illness
Chronic Illness and
Critical Illness

Provided for no additional premium, where approved in the state of issue

On all Underwriting Risk Classes through Table D

Allows for an acceleration of a portion of the death benefit in the event of an eligible triggering event, subject to provisions of the rider form

What are the Issue Ages?

	20 Year
Issue Ages	18-65
Available to Age	100
Minimum Face Amount	$25,000
Initial Premium Guarantee	20 Years
Renewable	Yes
Conversion Privilege	The policy can be converted to a permanent life insurance policy offered by GPM Life at the time of conversion. A decreasing term life insurance rider may be allowed on the permanent policy, as long as the total face amount and risk class are not increased.
Last Date to convert	Last day of policy year 15
Underwriting Classifications	No Tobacco Use: Preferred, Standard Plus, Standard Express
	Tobacco Use: Standard Plus, Standard Express

What Riders are available?

Waiver of Premium Benefit

Issue ages 18 through 59. Premium payable until age 65. If insured becomes totally disabled, the Waiver of Premium Benefit pays policy premiums; see policy for details; see Waiver of Premium rates.

Living Benefit Riders

Terminal Illness
Chronic Illness and
Critical Illness

Provided for no additional premium, where approved in the state of issue

On all Underwriting Risk Classes through Table D

Allows for an acceleration of a portion of the death benefit in the event of an eligible triggering event, subject to provisions of the rider form

What are the Issue Ages?

	30 Year
Issue Ages	18-45
Available to Age	100
Minimum Face Amount	$25,000
Initial Premium Guarantee	30 Years
Renewable	Yes
Conversion Privilege	The policy can be converted to a permanent life insurance policy offered by GPM Life at the time of conversion. A decreasing term life insurance rider may be allowed on the permanent policy, as long as the total face amount and risk class are not increased.
Last Date to convert	Last day of policy year 20
Underwriting Classifications	No Tobacco Use: Preferred, Standard Plus, Standard Express
	Tobacco Use: Standard Plus, Standard Express

What Riders are available?

Waiver of Premium Benefit

Issue ages 18 through 59. Premium payable until age 65. If insured becomes totally disabled, the Waiver of Premium Benefit pays policy premiums; see policy for details; see Waiver of Premium rates.

Living Benefit Riders

Terminal Illness
Chronic Illness and
Critical Illness

Provided for no additional premium, where approved in the state of issue

On all Underwriting Risk Classes through Table D

Allows for an acceleration of a portion of the death benefit in the event of an eligible triggering event, subject to provisions of the rider form