Issue Ages and Premium-Paying Periods:

• 10-Pay, 20-Pay and Pay for Life: 15 days through 85 years (age last birthday as of issue date)
• Pay to Age 65: 15 days through 54 years (age last birthday as of issue date)

Minimum Face Amount: $10,000

Non-Med Limits Individuals (standard risk class):

• Ages 15 days to 17: up to $300,000
• Ages 18 to 45: up to $200,000
• Ages 46 to 60: up to $150,000
• Ages 61 to 85: up to $100,000

Additional Riders: Accelerated Death Benefit Rider (Acceleration benefits for chronic or terminal illness); Accelerated Death Benefit Rider is included in states where allowed. The chronic illness benefit is included through issue age 75.

Optional Riders (additional premium): Accidental Death Benefit Rider, Children’s Term Rider, Critical Illness Rider, Disability Waiver of Premium Rider, Guaranteed Insurability Rider, Level Term Rider, Paid-Up Additions Rider – Periodic Premium, Paid-Up Additions Rider – Single Premium, Payor Benefit Rider