Issue Ages

0 - 80 years

Minimum Issue Amount

0-49 yrs -- $25,000

50+ yrs -- $50,000

Maximum Issue Amount

Subject to underwriting

Underwriting Classifications

 No Tobacco Use:

 Preferred Plus, Preferred, Standard

 Tobacco Use:

 Preferred, Standard

Death Benefit Options

 Option A:

 Level

 Option B:

 Increasing

No-lapse Guarantee Period

15 years (Assumes minimum premiums paid & accumulation value greater than 0)

Surrender Charge Schedule

19 years

Specified Amount Increase

After 1st year, require evidence of insurability

Specified Amount Decrease

After 1st year, does not require evidence of insurability

Guaranteed Interest Rate:

3%

Term Riders:

Other Insured Rider (OIR)

Protection for additional family members

Children's Benefit Rider (CBR)

Protection specific to children (Issue age 0-17)

Decreasing Mortgage Rider (DMR)

Decreasing Term Insurance on the primary insured, designed to supplement the base insurance amount and decrease with a mortgage or other loan schedule.

Supplemental Benefit Riders:

Waiver of Cost of Insurance (WCOI)

Waives the monthly cost of insurance deduction, keeps policy in force during period of disability

Accidental Death Benefit (ADB)

Additional life insurance for deaths caused by an accident as defined in policy

Guaranteed Benefit Increase

Right to increase the death benefit at certain ages without evidence of insurability

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