Issue Ages: 0-90 (Age Nearest Birthday)

Minimum Face Amount: $50,000

Riders Available: Vitality PLUS Program (Healthy Engagement Rider), Long-Term Care (LTCR) Rider, Critical Illness Benefit (CIBR), Return of Premium (ROP) Rider, Preliminary Funding Account (PFA), Cash Value Enhancement Rider, Cash Value Enhancement Plus Rider, Overloan Protection Rider (OPR), Disability Payment of Specified Premium (DPSP) Rider, Accelerated Benefit Rider, Accelerated Death Benefit for Chronic Illness

Critical Illness Benefit Rider – Helps protect clients throughout their working years from the financial burden associated with a critical illness event such as a heart attack, cancer or stroke. (Some state variations may apply. See Rider Highlights for more information).

Special Features:

• Quit Smoking Incentive
• Non Tobacco rates for Non Cigarette nicotine users