Issue Ages: (Age Nearest Birthday): 20-80

Minimum Face Amount: $100,000

Ideal Prospects: Like the flexibility and guarantees of universal life insurance, but are interested in the potential for higher crediting rates than traditional universal life offers.

Riders Available: Chronic Illness Death Benefit Advance Rider, Cost of Living Increase Rider, Extended No-Lapse Guarantee Rider, Life Paid-Up Rider, Salary Increase Rider, Terminal Illness Death Benefit Advance Rider, Waiver of Monthly Policy Charge Rider