Issue Ages: (Age Last Birthday)

• 0-17 Standard Non-Tobacco
• 18-80 All Classes
• 81-85 Standard Non-Tobacco and Standard Tobacco

Minimum Face Amount: $25,000

Riders included in the policy: Accelerated Death Benefit for Terminal Illness/Chronic Illness Rider, Lapse Guard Rider

Riders Available: Accidental Death Benefit Rider, Additional Insured Term Rider, Dependent Children’s Rider, Disability Continuation of Planned Premium, Disability Waiver of Policy Charges Rider, Guaranteed Insurability Rider

Special Features:

• Fit Underwriting Program
• Occasional cigar use (no more than 12 cigars per year) is considered non-nicotine if current nicotine test is negative