Issue Ages: 0-75 (Age Last Birthday)

Minimum Face Amount:

• $50,000 for ages 0-70
• $100,000 for ages 71-75

Riders Available: Accidental Death Benefit, Accelerated Benefits – Terminal, Chronic, Critical, Children’s Term Insurance Rider, Guarantee Insurability Rider, Waiver of Monthly Deductions Rider

Special Features:

• Account Interest Multiplier – 10% guaranteed bonus on Index credit, beginning in year 6
• Interest Rate Bonus – 1% – beginning in year 11 and contractually guaranteed on the Index Account
• Variable Loans available in year 1
• Chronic Illness Enhancements – up to $2 Million acceleration
• Surrender Charge Period – Reduced to 10 years
• Return of Premium Death Benefit Option*
• Commission Option B
  *subject to eligibility requirements. The maximum issue age is 70. Not allowed if the primary insured has a table rating greater than 4 or a flat extra rating.

Available in all states except California and Delaware.