Term Options: 10, 15, 20, 25 and 30 Years

Issue Ages: (Age Last Birthday)

For Face Amounts between $25,000 and $99,999:

• 10 Year: 18-60
• 15 Year: 18-60
• 20 Year: 18-60
• 25 Year: 18-60
  • (18-49 Tobacco Classes)
• 30 Year: 18-50
  • (18-40 Tobacco Classes)

For Face Amounts between $100,000 and $249,999:

• 10 Year: 18-80
• 15 Year: 18-75
  • (18-73 Tobacco Classes)
• 20 Year: 18-70
  • (18-65 Tobacco Classes)
• 25 Year: 18-63
  • (18-57 Tobacco Classes)
• 30 Year: 18-57
  • (18-46 Tobacco Classes)

For Face Amounts between $250,000 and $2,000,000:

• 10 Year: 18-80
• 15 Year: 18-75
• (18-73 Tobacco Classes)
• 20 Year: 18-70
• (18-65 Tobacco Classes)
• 25 Year: 18-65
• (18-60 Tobacco Classes)
• 30 Year: 18-58
• (18-53 Tobacco Classes)

Minimum Face Amount: $25,000

Non-Med up to $249,999

Conversion Option Available

Riders included at no additional cost: Chronic Illness Accelerated Death Benefit, Critical Illness Accelerated Death Benefit, Income Protection Option, Terminal Illness Accelerated Death Benefit, Conversion Option Endorsement

Riders Available: Accident Indemnity, Children’s Insurance Rider, Monthly Disability Income Rider, Waiver of Premium

Special Features: The occasional use of a cigar (1 per month or less) may be disregarded if the cigar use is fully admitted on the application and the urine specimen is negative for cotinine.