Express Issue Premier

Issue Ages: 20-80 (Age Last Birthday)

Face Amounts:

• Issue Ages 20-60: $5,000 through $100,000
• Issue Ages 61-80: $5,000 through $50,000

Riders Available: Child Rider, Accidental Death Benefit, No-cost Terminal Illness Benefit

Special Features:

• Non-med
• PHI required
• Built-in table 4

Express Issue Deluxe

Issue Ages: 20-80 (Age Last Birthday)

Face Amount: $5,000 through $50,000

Riders Available: Child Rider, Accidental Death Benefit, No-cost Terminal Illness Benefit

Special Features:

• Non-med
• PHI required
• Built-in table 8
• Suitable for insulin-dependent diabetics

Express Issue Whole Life (Graded Benefit)

Simplified issue graded benefit

Issue Ages: 25-80 (Age Last Birthday)
(Refer to product brochure for CA, NE, NJ and PA)

Face Amounts: $2,000 – $25,000

Riders Available: For face amounts of $10,000 or more, no-cost built-in riders:*

• Identity Theft Waiver of Premium Rider
• Hospital Stay Waiver of Premium Rider
• Common Carrier Accidental Death Benefit Rider

Special Features:

• Non-med
• 2-year graded death benefit
• PHI required
• Built-in table 16
• Previously declined applicants will be considered.
• Significant health issues and overweight clients considered.
• One-year look-back for Cancer, Heart Attack/Surgery, Stroke, and Drug Abuse.

Agent must affirm that the Proposed Insured:

• Is not confined to a hospital, hospice, nursing home, or convalescent home.
• Does not require home health nursing care.
• Does not have AIDS or is not HIV positive.
• Has not been diagnosed with an illness expected to cause death within 24 months.
• Is not engaging in intravenous drug abuse.