Except in limited scenarios, this product will be the only conversion option available for products/riders introduced prior to April, 2007.

Issue Ages/Underwriting Classes*:

• Preferred Plus: 20-80
• Preferred Non-Tobacco: 20-80
• Standard Non-Tobacco: 0-115
• Preferred Tobacco: 20-80
• Standard Tobacco: 15-115
  *Term conversions without underwriting will generally have the same or similar underwriting class as the original term policy, including substandard rating or substandard flat extras.

Minimum Face Amount: $1,000 ($100,000 for Preferred rate classes)

Available Riders: Accelerated Benefits Rider, Accelerated Benefits Rider (with critical illness coverage), Disability Waiver of Monthly Deductions Benefit Rider, Overloan Protection Rider