simplified issue whole life guaranteed issue whole life4-12).pdf · simplified issue whole life...

www.unitedhomelife.com800-428-3001

AGENT GUIDE

Simplified Issue Whole LifeGuaranteed Issue Whole Life

2

Inside:• GIWLRates.......................2• EIWLRates.......................4• ElDeluxeRates................. 6• ElPremierRates...............8• ProviderWLStandard

Rates..............................10• ProviderWLPreferred

Rates..............................12• ProviderWLJuvenile

Rates...............................13• Riders.............................14• RiderRates.....................15• PremiumCalculations....16• SimplifiedUnderwriting.17• AppSubmissionTips......18• PreferredUWCriteria....19

Whole Life Portfolio• FiveProductsforages0to801.• Simpleyes/noapplications.• Affordable,guaranteed2coverage.• Levelguaranteedpremiums;guaranteed

cashvalues.• KnowBeforeYouGo®point-of-sale

telephoneinterviews.• Noroutinemedicalexams,bodilyfluids

testing3,orphysician’sstatements.• Initialpremiumcanbedrafted.• Initial1st-yearcommissionpaiddailyifon

EFT.• Applicationcanbetakenoverthephone.

Target Markets:• MiddleMarket.• 50+Market.• FinalExpense.• FamilyProtectionNeeds.• JuvenileMarket.• Clientswhoprefersimplifiedissuetofull

underwriting.• Clientswhohavepreviouslybeendeclined

orlabeleduninsurable.• Clientswhoareoverweightorwhohave

significanthealthissues.

1Productandrider/benefitavailability,andissueagesmayvarybystate.Issueagesvarybyproduct.2Seepolicyfordetails.Exclusionsandlimitationsmayapply.3ExcludingapplicantswritteninWisconsin.

Foragentuseonly.Notforusewiththegeneralpublic.

2

Male Non-Tobacco

IssueAge

AnnualRate Per $1,000

Monthly PAC Premiums By Face Amount $5,000 $6,000 $7,000 $8,000 $9,000 $10,000

45 62.03 33.49 39.26 45.03 50.80 56.57 62.3446 63.82 34.33 40.26 46.19 52.13 58.07 64.0047 65.68 35.19 41.30 47.41 53.52 59.63 65.7348 67.59 36.08 42.36 48.65 54.94 61.23 67.5149 69.55 36.99 43.46 49.93 56.40 62.87 69.3350 71.59 37.94 44.60 51.25 57.91 64.57 71.2351 73.69 38.92 45.77 52.62 59.48 66.33 73.1852 75.84 39.92 46.97 54.02 61.07 68.13 75.1853 78.07 40.95 48.21 55.47 62.73 70.00 77.2654 80.37 42.02 49.49 56.97 64.45 71.92 79.3955 83.20 43.34 51.07 58.81 66.55 74.29 82.0356 86.28 44.77 52.79 60.82 68.84 76.87 84.8957 89.50 46.27 54.59 62.91 71.24 79.57 87.8958 92.86 47.83 56.46 65.10 73.74 82.38 91.0159 96.38 49.47 58.43 67.39 76.36 85.32 94.2860 100.08 51.19 60.49 69.80 79.11 88.42 97.7261 103.96 52.99 62.66 72.33 82.00 91.67 101.3362 108.02 54.88 64.92 74.97 85.02 95.07 105.1163 112.30 56.87 67.31 77.76 88.20 98.65 109.0964 116.77 58.95 69.81 80.67 91.53 102.39 113.2565 121.46 61.13 72.42 83.72 95.02 106.32 117.6166 127.62 63.99 75.86 87.73 99.60 111.47 123.3467 133.40 66.68 79.09 91.49 103.90 116.31 128.7168 139.55 69.54 82.52 95.50 108.48 121.46 134.4369 146.10 72.59 86.17 99.76 113.35 126.94 140.5270 153.05 75.82 90.05 104.28 118.52 132.76 146.9971 160.43 79.25 94.17 109.09 124.01 138.93 153.8572 168.23 82.88 98.52 114.17 129.81 145.46 161.1073 176.42 86.69 103.09 119.50 135.91 152.32 168.7274 185.01 90.68 107.88 125.09 142.30 159.51 176.7175 194.00 94.86 112.90 130.94 148.99 167.03 185.07

Female Non-Tobacco

IssueAge



45 56.69 31.01 36.28 41.55 46.83 52.10 57.3746 58.17 31.70 37.11 42.52 47.93 53.34 58.7547 59.69 32.41 37.96 43.51 49.06 54.61 60.1648 61.25 33.13 38.83 44.52 50.22 55.92 61.6149 62.86 33.88 39.72 45.57 51.42 57.27 63.1150 64.50 34.64 40.64 46.64 52.64 58.64 64.6451 66.19 35.43 41.58 47.74 53.90 60.05 66.2152 67.92 36.23 42.55 48.86 55.18 61.50 67.8253 69.70 37.06 43.54 50.02 56.51 62.99 69.4754 71.53 37.91 44.56 51.21 57.87 64.52 71.1755 73.77 38.95 45.81 52.67 59.53 66.40 73.2656 76.21 40.09 47.17 54.26 61.35 68.44 75.5357 78.74 41.26 48.59 55.91 63.23 70.56 77.8858 81.39 42.50 50.06 57.63 65.20 72.78 80.3459 84.13 43.77 51.59 59.42 67.24 75.07 82.8960 87.01 45.11 53.20 61.29 69.39 77.48 85.5761 90.02 46.51 54.88 63.25 71.62 80.00 88.3762 93.14 47.96 56.62 65.28 73.95 82.61 91.2763 96.40 49.48 58.44 67.40 76.37 85.34 94.3064 100.30 51.29 60.62 69.94 79.27 88.60 97.9365 103.36 52.71 62.32 71.94 81.55 91.17 100.7766 107.71 54.74 64.75 74.77 84.79 94.81 104.8267 111.72 56.60 66.99 77.38 87.77 98.16 108.5568 115.95 58.57 69.35 80.13 90.92 101.70 112.4869 120.42 60.65 71.84 83.04 94.24 105.45 116.6470 125.15 62.84 74.48 86.12 97.76 109.40 121.0471 130.14 65.17 77.27 89.37 101.47 113.58 125.6872 135.36 67.59 80.18 92.77 105.36 117.95 130.5373 140.82 70.13 83.23 96.32 109.42 122.52 135.6174 146.50 72.77 86.40 100.02 113.65 127.27 140.9075 152.42 75.53 89.70 103.87 118.05 132.23 146.40

Guaranteed Issue Whole LifeGraded Benefit Endowment Insurance

IssueAges: 45–75(agenearest)FaceAmounts: $5,000–10,000RateClasses: Non-Tobacco/TobaccoAnnualPolicyFee: $50(commissionable)

No health questions, medical exams, physical exams, or Personal History Interviews (PHIs).

Graded Death Benefit During First Three Policy Years:• Year1:benefitpayableequalsrefundofpremiumplus6%interest.• Year2:benefitpayableequalsrefundofpremiumplus12%interest.• Year3:benefitpayableequalsrefundofpremiumplus18%interest.Fulldeathbenefitpayableifdeathoccursduetoaccidentalcausesinthefirstthreepolicyyears.

Productandrider/benefitavailability,andissueagesmayvarybystate.Exclusionsandlimitationsmayapply.

ModalFactors: Semi-annual: .530 Quarterly: .270 MonthlyPAC: .093 DirectMonthlyBill: .099

3

Guaranteed Issue Whole LifeGraded Benefit Endowment Insurance

Commission Chargeback Policy:• 100%chargebackifinsureddiesduringpolicyyear1.• 50%chargebackifinsureddiesduringpolicyyear2.• Nochargebackifinsured’sdeathisduetoaccidentalcauses.

Agent Guidelines:TheProposedInsuredmustbepresentwhenapplyingforaGuaranteedIssueWLpolicy.

Inaddition,theAgentmustaffirmthattheProposedInsured:• isnotconfinedtoahospital,hospice,nursinghomeorconvalescenthome.• doesnotrequirehomehealthnursingcare.• doesnothaveAIDSorisnotHIVpositive.• hasnotbeendiagnosedwithanillnessexpectedtocausedeathwithin24months.• isnotengaginginintravenousdrugabuse.

Male Tobacco

IssueAge



45 70.04 37.22 43.73 50.24 56.76 63.28 69.7946 72.54 38.38 45.13 51.87 58.62 65.37 72.1147 75.15 39.59 46.58 53.57 60.56 67.55 74.5448 77.87 40.86 48.10 55.34 62.59 69.83 77.0749 80.71 42.18 49.68 57.19 64.70 72.21 79.7150 83.65 43.55 51.32 59.10 66.89 74.67 82.4451 86.72 44.97 53.04 61.10 69.17 77.24 85.3052 89.90 46.45 54.81 63.17 71.54 79.90 88.2653 93.22 48.00 56.66 65.33 74.01 82.68 91.3454 96.67 49.60 58.59 67.58 76.57 85.57 94.5555 100.91 51.57 60.96 70.34 79.73 89.12 98.5056 105.50 53.71 63.52 73.33 83.14 92.96 102.7757 110.33 55.95 66.21 76.47 86.74 97.00 107.2658 115.45 58.33 69.07 79.81 90.54 101.29 112.0259 120.85 60.85 72.08 83.32 94.56 105.81 117.0460 126.58 63.51 75.28 87.05 98.83 110.60 122.3761 132.66 66.34 78.67 91.01 103.35 115.69 128.0262 139.07 69.32 82.25 95.18 108.12 121.06 133.9963 145.88 72.48 86.05 99.62 113.18 126.76 140.3264 153.07 75.83 90.06 104.30 118.53 132.77 147.0165 160.70 79.38 94.32 109.26 124.21 139.16 154.1066 169.59 83.51 99.28 115.05 130.82 146.60 162.3767 177.90 87.37 103.92 120.46 137.01 153.56 170.1068 186.78 91.50 108.87 126.24 143.61 160.99 178.3669 196.24 95.90 114.15 132.40 150.65 168.91 187.1570 206.33 100.59 119.78 138.97 158.16 177.35 196.5471 217.04 105.57 125.76 145.94 166.13 186.32 206.5072 228.39 110.85 132.09 153.33 174.57 195.82 217.0573 240.33 116.40 138.75 161.10 183.46 205.81 228.1674 252.87 122.23 145.75 169.27 192.79 216.31 239.8275 266.02 128.35 153.09 177.83 202.57 227.31 252.05

Female Tobacco

IssueAge



45 63.36 34.11 40.00 45.90 51.79 57.69 63.5746 65.42 35.07 41.15 47.24 53.32 59.41 65.4947 67.53 36.05 42.33 48.61 54.89 61.18 67.4548 69.72 37.07 43.55 50.04 56.52 63.01 69.4949 71.99 38.13 44.82 51.51 58.21 64.91 71.6050 74.34 39.22 46.13 53.04 59.96 66.88 73.7951 76.78 40.35 47.49 54.63 61.77 68.92 76.0652 79.30 41.52 48.90 56.27 63.65 71.03 78.4053 81.92 42.74 50.36 57.98 65.60 73.22 80.8454 84.62 44.00 51.87 59.74 67.61 75.48 83.3555 87.93 45.54 53.71 61.89 70.07 78.25 86.4256 91.52 47.21 55.72 64.23 72.74 81.26 89.7657 95.28 48.96 57.81 66.68 75.54 84.40 93.2658 99.25 50.80 60.03 69.26 78.49 87.73 96.9559 103.41 52.74 62.35 71.97 81.59 91.21 100.8260 107.80 54.78 64.80 74.83 84.85 94.88 104.9061 112.43 56.93 67.38 77.84 88.30 98.76 109.2162 117.30 59.19 70.10 81.01 91.92 102.83 113.7463 122.44 61.58 72.97 84.36 95.75 107.14 118.5264 128.57 64.44 76.39 88.35 100.31 112.27 124.2265 133.53 66.74 79.16 91.58 104.00 116.42 128.8366 139.72 69.62 82.61 95.61 108.60 121.60 134.5967 145.37 72.25 85.76 99.28 112.81 126.33 139.8468 151.37 75.04 89.11 103.19 117.27 131.35 145.4269 157.74 78.00 92.67 107.34 122.01 136.68 151.3570 164.48 81.13 96.43 111.72 127.02 142.32 157.6271 171.60 84.44 100.40 116.36 132.32 148.28 164.2472 179.09 87.93 104.58 121.24 137.89 154.55 171.2073 186.94 91.58 108.96 126.35 143.73 161.12 178.5074 195.10 95.37 113.51 131.66 149.80 167.95 186.0975 203.61 99.33 118.26 137.20 156.14 175.08 194.01


4

Male Non-Tobacco

IssueAge


Monthly PAC Premiums By Face Amount $5,000 $10,000 $15,000 $20,000 $25,000

25 32.03 19.54 34.44 49.33 64.23 79.12 26 32.03 19.54 34.44 49.33 64.23 79.12 27 32.03 19.54 34.44 49.33 64.23 79.12 28 32.03 19.54 34.44 49.33 64.23 79.12 29 32.03 19.54 34.44 49.33 64.23 79.12 30 32.03 19.54 34.44 49.33 64.23 79.12 31 32.03 19.54 34.44 49.33 64.23 79.12 32 32.03 19.54 34.44 49.33 64.23 79.12 33 32.03 19.54 34.44 49.33 64.23 79.12 34 32.03 19.54 34.44 49.33 64.23 79.12 35 32.03 19.54 34.44 49.33 64.23 79.12 36 32.03 19.54 34.44 49.33 64.23 79.12 37 32.03 19.54 34.44 49.33 64.23 79.12 38 32.03 19.54 34.44 49.33 64.23 79.12 39 32.03 19.54 34.44 49.33 64.23 79.12 40 32.03 19.54 34.44 49.33 64.23 79.12 41 32.03 19.54 34.44 49.33 64.23 79.12 42 32.03 19.54 34.44 49.33 64.23 79.12 43 32.03 19.54 34.44 49.33 64.23 79.12 44 32.03 19.54 34.44 49.33 64.23 79.12 45 32.03 19.54 34.44 49.33 64.23 79.12 46 33.22 20.10 35.54 50.99 66.44 81.89 47 34.48 20.68 36.72 52.75 68.78 84.82 48 35.79 21.29 37.93 54.58 71.22 87.86 49 37.15 21.92 39.20 56.47 73.75 91.02 50 38.59 22.59 40.54 58.48 76.43 94.37 51 40.09 23.29 41.93 60.58 79.22 97.86 52 41.64 24.01 43.38 62.74 82.10 101.46 53 43.27 24.77 44.89 65.01 85.13 105.25 54 44.97 25.56 46.47 67.38 88.29 109.21 55 47.20 26.60 48.55 70.49 92.44 114.39 56 49.58 27.70 50.76 73.81 96.87 119.92 57 52.10 28.88 53.10 77.33 101.56 125.78 58 54.76 30.11 55.58 81.04 106.50 131.97 59 57.58 31.42 58.20 84.97 111.75 138.52 60 60.58 32.82 60.99 89.16 117.33 145.50 61 63.76 34.30 63.95 93.60 123.24 152.89 62 67.12 35.86 67.07 98.28 129.49 160.70 63 70.70 37.53 70.40 103.28 136.15 169.03 64 74.47 39.28 73.91 108.54 143.16 177.79 65 78.46 41.13 77.62 114.10 150.59 187.07 66 83.92 43.67 82.70 121.72 160.74 199.76 67 89.00 46.04 87.42 128.81 170.19 211.58 68 94.45 48.57 92.49 136.41 180.33 224.25 69 100.30 51.29 97.93 144.57 191.21 237.85 70 106.55 54.20 103.74 153.29 202.83 252.38 71 113.23 57.30 109.95 162.61 215.26 267.91 72 120.33 60.60 116.56 172.51 228.46 284.42 73 127.82 64.09 123.52 182.96 242.40 301.83 74 135.71 67.76 130.86 193.97 257.07 320.18 75 144.00 71.61 138.57 205.53 272.49 339.45 76 151.62 75.15 145.66 216.16 286.66 357.17 77 159.69 78.91 153.16 227.42 301.67 375.93 78 168.30 82.91 161.17 239.43 317.69 395.95 79 177.55 87.21 169.77 252.33 334.89 417.45 80 187.50 91.84 179.03 266.21 353.40 440.59

Female Non-Tobacco

IssueAge

Annual Rate Per

$1,000Monthly PAC Premiums By Face Amount

$5,000 $10,000 $15,000 $20,000 $25,00025 26.69 17.06 29.47 41.88 54.29 66.70 26 26.69 17.06 29.47 41.88 54.29 66.70 27 26.69 17.06 29.47 41.88 54.29 66.70 28 26.69 17.06 29.47 41.88 54.29 66.70 29 26.69 17.06 29.47 41.88 54.29 66.70 30 26.69 17.06 29.47 41.88 54.29 66.70 31 26.69 17.06 29.47 41.88 54.29 66.70 32 26.69 17.06 29.47 41.88 54.29 66.70 33 26.69 17.06 29.47 41.88 54.29 66.70 34 26.69 17.06 29.47 41.88 54.29 66.70 35 26.69 17.06 29.47 41.88 54.29 66.70 36 26.69 17.06 29.47 41.88 54.29 66.70 37 26.69 17.06 29.47 41.88 54.29 66.70 38 26.69 17.06 29.47 41.88 54.29 66.70 39 26.69 17.06 29.47 41.88 54.29 66.70 40 26.69 17.06 29.47 41.88 54.29 66.70 41 26.69 17.06 29.47 41.88 54.29 66.70 42 26.69 17.06 29.47 41.88 54.29 66.70 43 26.69 17.06 29.47 41.88 54.29 66.70 44 26.69 17.06 29.47 41.88 54.29 66.70 45 26.69 17.06 29.47 41.88 54.29 66.70 46 27.57 17.47 30.29 43.11 55.93 68.75 47 28.49 17.90 31.15 44.39 57.64 70.89 48 29.45 18.34 32.04 45.73 59.43 73.12 49 30.46 18.81 32.98 47.14 61.31 75.47 50 31.50 19.30 33.95 48.59 63.24 77.89 51 32.59 19.80 34.96 50.11 65.27 80.42 52 33.72 20.33 36.01 51.69 67.37 83.05 53 34.90 20.88 37.11 53.34 69.56 85.79 54 36.13 21.45 38.25 55.05 71.85 88.65 55 37.77 22.21 39.78 57.34 74.90 92.47 56 39.51 23.02 41.39 59.77 78.14 96.51 57 41.34 23.87 43.10 62.32 81.54 100.77 58 43.29 24.78 44.91 65.04 85.17 105.30 59 45.33 25.73 46.81 67.89 88.96 110.04 60 47.51 26.74 48.83 70.93 93.02 115.11 61 49.82 27.82 50.98 74.15 97.32 120.48 62 52.24 28.94 53.23 77.52 101.82 126.11 63 54.80 30.13 55.61 81.10 106.58 132.06 64 58.00 31.62 58.59 85.56 112.53 139.50 65 60.36 32.72 60.78 88.85 116.92 144.99 66 64.01 34.41 64.18 93.94 123.71 153.47 67 67.32 35.95 67.26 98.56 129.87 161.17 68 70.85 37.60 70.54 103.49 136.43 169.38 69 74.62 39.35 74.05 108.74 143.44 178.14 70 78.65 41.22 77.79 114.37 150.94 187.51 71 82.94 43.22 81.78 120.35 158.92 197.49 72 87.46 45.32 85.99 126.66 167.33 207.99 73 92.22 47.53 90.41 133.30 176.18 219.06 74 97.20 49.85 95.05 140.24 185.44 230.64 75 102.42 52.28 99.90 147.53 195.15 242.78 76 109.16 55.41 106.17 156.93 207.69 258.45 77 116.39 58.77 112.89 167.01 221.14 275.26 78 124.17 62.39 120.13 177.87 235.61 293.35 79 132.57 66.30 127.94 189.59 251.23 312.88 80 141.67 70.53 136.40 202.28 268.16 334.03

Express Issue Whole LifeSimplified Issue Graded Benefit

IssueAges: 25–80(agenearest)FaceAmounts: $2,000–25,000RateClasses: Non-Tobacco/TobaccoBuilt-inRating: 16TablesAnnualPolicyFee: $50(commissionable)

Graded Death Benefit During First Two Policy Years:• Year1:benefitpayableequalsrefundofpremiumplus12%interest.4

• Year2:benefitpayableequalsrefundofpremiumplus24%interest.4

Fulldeathbenefitpayableifdeathoccursduetoaccidentalcausesinthefirsttwopolicyyears.

Productandrider/benefitavailability,andissueagesmayvarybystate.Exclusionsandlimitationsmayapply.4InAR,KS,NVandPA:deathbenefitis30%ofdeathbenefitinpolicyyear1;60%ofdeathbenefitinpolicyyear2.


5

Express Issue Whole LifeSimplified Issue Graded Benefit

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.

For Face Amounts of $10,000 or more, no-cost built-in riders: *• IdentityTheftWaiverofPremiumRider• HospitalStayWaiverofPremiumRider• CommonCarrierAccidentalDeathBenefitRider

Male Tobacco

IssueAge

Annual Rate Per


$5,000 $10,000 $15,000 $20,000 $25,00025 40.04 23.27 41.89 60.51 79.12 97.74 26 40.04 23.27 41.89 60.51 79.12 97.74 27 40.04 23.27 41.89 60.51 79.12 97.74 28 40.04 23.27 41.89 60.51 79.12 97.74 29 40.04 23.27 41.89 60.51 79.12 97.74 30 40.04 23.27 41.89 60.51 79.12 97.74 31 40.04 23.27 41.89 60.51 79.12 97.74 32 40.04 23.27 41.89 60.51 79.12 97.74 33 40.04 23.27 41.89 60.51 79.12 97.74 34 40.04 23.27 41.89 60.51 79.12 97.74 35 40.04 23.27 41.89 60.51 79.12 97.74 36 40.04 23.27 41.89 60.51 79.12 97.74 37 40.04 23.27 41.89 60.51 79.12 97.74 38 40.04 23.27 41.89 60.51 79.12 97.74 39 40.04 23.27 41.89 60.51 79.12 97.74 40 40.04 23.27 41.89 60.51 79.12 97.74 41 40.04 23.27 41.89 60.51 79.12 97.74 42 40.04 23.27 41.89 60.51 79.12 97.74 43 40.04 23.27 41.89 60.51 79.12 97.74 44 40.04 23.27 41.89 60.51 79.12 97.74 45 40.04 23.27 41.89 60.51 79.12 97.74 46 41.94 24.15 43.65 63.16 82.66 102.16 47 43.95 25.09 45.52 65.96 86.40 106.83 48 46.07 26.07 47.50 68.92 90.34 111.76 49 48.31 27.11 49.58 72.04 94.51 116.97 50 50.65 28.20 51.75 75.31 98.86 122.41 51 53.12 29.35 54.05 78.75 103.45 128.15 52 55.70 30.55 56.45 82.35 108.25 134.15 53 58.42 31.82 58.98 86.15 113.31 140.48 54 61.27 33.14 61.63 90.12 118.61 147.10 55 64.91 34.83 65.02 95.20 125.38 155.57 56 68.80 36.64 68.63 100.63 132.62 164.61 57 72.93 38.56 72.47 106.39 140.30 174.21 58 77.35 40.62 76.59 112.55 148.52 184.49 59 82.05 42.80 80.96 119.11 157.26 195.42 60 87.08 45.14 85.63 126.13 166.62 207.11 61 92.46 47.64 90.64 133.63 176.63 219.62 62 98.17 50.30 95.95 141.60 187.25 232.90 63 104.28 53.14 101.63 150.12 198.61 247.10 64 110.77 56.16 107.67 159.17 210.68 262.19 65 117.70 59.38 114.11 168.84 223.57 278.30 66 125.89 63.19 121.73 180.27 238.81 297.34 67 133.50 66.73 128.81 190.88 252.96 315.04 68 141.68 70.53 136.41 202.29 268.17 334.06 69 150.44 74.60 144.56 214.51 284.47 354.42 70 159.83 78.97 153.29 227.61 301.93 376.25 71 169.84 83.63 162.60 241.58 320.55 399.53 72 180.49 88.58 172.51 256.43 340.36 424.29 73 191.73 93.80 182.96 272.11 361.27 450.42 74 203.57 99.31 193.97 288.63 383.29 477.95 75 216.02 105.10 205.55 306.00 406.45 506.90 76 227.42 110.40 216.15 321.90 427.65 533.40 77 239.52 116.03 227.40 338.78 450.16 561.53 78 252.44 122.03 239.42 356.80 474.19 591.57 79 266.34 128.50 252.35 376.19 500.04 623.89 80 281.24 135.43 266.20 396.98 527.76 658.53

Female Tobacco

IssueAge

Annual Rate Per


$5,000 $10,000 $15,000 $20,000 $25,00025 33.36 20.16 35.67 51.19 66.70 82.21 26 33.36 20.16 35.67 51.19 66.70 82.21 27 33.36 20.16 35.67 51.19 66.70 82.21 28 33.36 20.16 35.67 51.19 66.70 82.21 29 33.36 20.16 35.67 51.19 66.70 82.21 30 33.36 20.16 35.67 51.19 66.70 82.21 31 33.36 20.16 35.67 51.19 66.70 82.21 32 33.36 20.16 35.67 51.19 66.70 82.21 33 33.36 20.16 35.67 51.19 66.70 82.21 34 33.36 20.16 35.67 51.19 66.70 82.21 35 33.36 20.16 35.67 51.19 66.70 82.21 36 33.36 20.16 35.67 51.19 66.70 82.21 37 33.36 20.16 35.67 51.19 66.70 82.21 38 33.36 20.16 35.67 51.19 66.70 82.21 39 33.36 20.16 35.67 51.19 66.70 82.21 40 33.36 20.16 35.67 51.19 66.70 82.21 41 33.36 20.16 35.67 51.19 66.70 82.21 42 33.36 20.16 35.67 51.19 66.70 82.21 43 33.36 20.16 35.67 51.19 66.70 82.21 44 33.36 20.16 35.67 51.19 66.70 82.21 45 33.36 20.16 35.67 51.19 66.70 82.21 46 34.82 20.84 37.03 53.22 69.42 85.61 47 36.33 21.54 38.44 55.33 72.22 89.12 48 37.92 22.28 39.92 57.55 75.18 92.81 49 39.59 23.06 41.47 59.88 78.29 96.70 50 41.34 23.87 43.10 62.32 81.54 100.77 51 43.18 24.73 44.81 64.89 84.96 105.04 52 45.10 25.62 46.59 67.56 88.54 109.51 53 47.12 26.56 48.47 70.38 92.29 114.20 54 49.22 27.54 50.42 73.31 96.20 119.09 55 51.93 28.80 52.94 77.09 101.24 125.39 56 54.82 30.14 55.63 81.12 106.62 132.11 57 57.88 31.56 58.48 85.39 112.31 139.22 58 61.15 33.08 61.52 89.95 118.39 146.82 59 64.61 34.69 64.74 94.78 124.82 154.87 60 68.30 36.41 68.17 99.93 131.69 163.45 61 72.23 38.24 71.82 105.41 139.00 172.58 62 76.40 40.18 75.70 111.23 146.75 182.28 63 80.84 42.24 79.83 117.42 155.01 192.60 64 86.27 44.77 84.88 125.00 165.11 205.23 65 90.53 46.75 88.84 130.94 173.04 215.13 66 96.02 49.30 93.95 138.60 183.25 227.90 67 100.97 51.60 98.55 145.50 192.45 239.41 68 106.27 54.07 103.48 152.90 202.31 251.73 69 111.94 56.70 108.75 160.81 212.86 264.91 70 117.98 59.51 114.37 169.23 224.09 278.95 71 124.40 62.50 120.34 178.19 236.03 293.88 72 131.19 65.65 126.66 187.66 248.66 309.67 73 138.34 68.98 133.31 197.63 261.96 326.29 74 145.80 72.45 140.24 208.04 275.84 343.64 75 153.61 76.08 147.51 218.94 290.36 361.79 76 163.74 80.79 156.93 233.07 309.21 385.35 77 174.58 85.83 167.01 248.19 329.37 410.55 78 186.24 91.25 177.85 264.45 351.06 437.66 79 198.85 97.12 189.58 282.05 374.51 466.98 80 212.50 103.46 202.28 301.09 399.90 498.71


*Seepage14fordetails.

6

Male Non-Tobacco

IssueAge



20 10.80 9.67 14.69 24.74 34.78 54.8721 11.20 9.86 15.07 25.48 35.90 56.7322 11.63 10.06 15.47 26.28 37.10 58.7323 12.09 10.27 15.89 27.14 38.38 60.8724 12.58 10.50 16.35 28.05 39.75 63.1525 13.10 10.74 16.83 29.02 41.20 65.5726 13.45 10.90 17.16 29.67 42.18 67.1927 13.80 11.07 17.48 30.32 43.15 68.8228 14.19 11.25 17.85 31.04 44.24 70.6329 14.59 11.43 18.22 31.79 45.36 72.4930 15.02 11.63 18.62 32.59 46.56 74.4931 15.48 11.85 19.05 33.44 47.84 76.6332 15.97 12.08 19.50 34.35 49.21 78.9133 16.48 12.31 19.98 35.30 50.63 81.2834 17.04 12.57 20.50 36.34 52.19 83.8935 17.62 12.84 21.04 37.42 53.81 86.5836 18.56 13.28 21.91 39.17 56.43 90.9537 19.55 13.74 22.83 41.01 59.19 95.5638 20.61 14.23 23.82 42.98 62.15 100.4939 21.73 14.75 24.86 45.07 65.28 105.6940 22.90 15.30 25.95 47.24 68.54 111.1441 24.14 15.88 27.10 49.55 72.00 116.9042 25.45 16.48 28.32 51.99 75.66 122.9943 26.83 17.13 29.60 54.55 79.51 129.4144 28.30 17.81 30.97 57.29 83.61 136.2545 29.84 18.53 32.40 60.15 87.90 143.4146 30.95 19.04 33.43 62.22 91.00 148.5747 32.12 19.59 34.52 64.39 94.26 154.0148 33.34 20.15 35.66 66.66 97.67 159.6849 34.62 20.75 36.85 69.04 101.24 165.6350 35.96 21.37 38.09 71.54 104.98 171.8651 37.35 22.02 39.39 74.12 108.86 178.3352 38.80 22.69 40.73 76.82 112.90 185.0753 40.32 23.40 42.15 79.65 117.14 192.1454 41.90 24.13 43.62 82.58 121.55 199.4955 43.54 24.90 45.14 85.63 126.13 207.1156 45.57 25.84 47.03 89.41 131.79 216.5557 47.69 26.83 49.00 93.35 137.71 226.4158 49.94 27.87 51.09 97.54 143.98 236.8759 52.32 28.98 53.31 101.97 150.62 247.9460 54.86 30.16 55.67 106.69 157.71 259.7561 57.55 31.41 58.17 111.69 165.21 272.2662 60.39 32.73 60.81 116.98 173.14 285.4663 63.41 34.14 63.62 122.59 181.56 299.5164 66.61 35.62 66.60 128.54 190.49 314.3965 69.98 37.19 69.73 134.81 199.89 330.0666 74.10 39.11 73.56 142.48 211.39 349.2267 78.50 41.15 77.66 150.66 223.67 369.6868 83.22 43.35 82.04 159.44 236.83 391.6269 88.27 45.70 86.74 168.83 250.92 415.1170 94.62 48.65 92.65 180.64 268.64 444.6371 101.44 51.82 98.99 193.33 287.67 476.3572 108.75 55.22 105.79 206.93 308.06 510.3473 116.53 58.84 113.02 221.40 329.77 546.5174 124.80 62.68 120.71 236.78 352.84 584.9775 133.55 66.75 128.85 253.05 377.25 625.6676 141.96 70.66 136.67 268.70 400.72 664.7677 150.91 74.82 145.00 285.34 425.69 706.3878 160.50 79.28 153.92 303.18 452.45 750.9879 170.89 84.11 163.58 322.51 481.43 799.2980 182.11 89.33 174.01 343.37 512.74 851.46

Express Issue Deluxe Simplified Issue Whole Life

IssueAges: 20–80(agenearest)FaceAmounts: $5,000–50,000RateClasses: Non-Tobacco/TobaccoBuilt-inRating: 8TablesAnnualPolicyFee: $50(commissionable)

Ideal product for insulin-dependent diabetics, individuals receiving disability compensation, or those who have previously been declined by other insurance carriers.

Female Non-Tobacco

IssueAge



20 8.55 8.63 12.60 20.55 28.50 44.4121 8.90 8.79 12.93 21.20 29.48 46.0422 9.28 8.97 13.28 21.91 30.54 47.8023 9.70 9.16 13.67 22.69 31.71 49.7624 10.09 9.34 14.03 23.42 32.80 51.5725 10.54 9.55 14.45 24.25 34.06 53.6626 10.90 9.72 14.79 24.92 35.06 55.3427 11.29 9.90 15.15 25.65 36.15 57.1528 11.69 10.09 15.52 26.39 37.27 59.0129 12.11 10.28 15.91 27.17 38.44 60.9630 12.56 10.49 16.33 28.01 39.69 63.0531 13.02 10.70 16.76 28.87 40.98 65.1932 13.52 10.94 17.22 29.80 42.37 67.5233 14.04 11.18 17.71 30.76 43.82 69.9434 14.58 11.43 18.21 31.77 45.33 72.4535 15.17 11.70 18.76 32.87 46.97 75.1936 15.94 12.06 19.47 34.30 49.12 78.7737 16.75 12.44 20.23 35.81 51.38 82.5438 17.60 12.83 21.02 37.39 53.75 86.4939 18.51 13.26 21.86 39.08 56.29 90.7240 19.42 13.68 22.71 40.77 58.83 94.9541 20.42 14.15 23.64 42.63 61.62 99.6042 21.45 14.62 24.60 44.55 64.50 104.3943 22.55 15.14 25.62 46.59 67.56 109.5144 23.67 15.66 26.66 48.68 70.69 114.7245 24.87 16.21 27.78 50.91 74.04 120.3046 25.70 16.60 28.55 52.45 76.35 124.1647 26.55 17.00 29.34 54.03 78.72 128.1148 27.45 17.41 30.18 55.71 81.24 132.2949 28.38 17.85 31.04 57.44 83.83 136.6250 29.35 18.30 31.95 59.24 86.54 141.1351 30.37 18.77 32.89 61.14 89.38 145.8752 31.42 19.26 33.87 63.09 92.31 150.7553 32.52 19.77 34.89 65.14 95.38 155.8754 33.66 20.30 35.95 67.26 98.56 161.1755 34.84 20.85 37.05 69.45 101.85 166.6656 36.31 21.53 38.42 72.19 105.95 173.4957 37.84 22.25 39.84 75.03 110.22 180.6158 39.49 23.01 41.38 78.10 114.83 188.2859 41.20 23.81 42.97 81.28 119.60 196.2360 43.03 24.66 44.67 84.69 124.70 204.7461 44.97 25.56 46.47 88.29 130.12 213.7662 47.01 26.51 48.37 92.09 135.81 223.2563 49.16 27.51 50.37 96.09 141.81 233.2464 51.88 28.77 52.90 101.15 149.40 245.8965 53.83 29.68 54.71 104.77 154.84 254.9666 57.23 31.26 57.87 111.10 164.32 270.7767 60.86 32.95 61.25 117.85 174.45 287.6568 64.76 34.76 64.88 125.10 185.33 305.7869 68.96 36.72 68.78 132.92 197.05 325.3170 74.20 39.15 73.66 142.66 211.67 349.6871 79.87 41.79 78.93 153.21 227.49 376.0572 85.98 44.63 84.61 164.57 244.53 404.4673 92.50 47.66 90.68 176.70 262.73 434.7874 99.43 50.88 97.12 189.59 282.06 467.0075 106.86 54.34 104.03 203.41 302.79 501.5576 113.56 57.46 110.26 215.87 321.48 532.7077 120.72 60.78 116.92 229.19 341.46 566.0078 128.41 64.36 124.07 243.49 362.91 601.7679 136.71 68.22 131.79 258.93 386.07 640.3580 145.69 72.40 140.14 275.63 411.13 682.11



7

Male Tobacco

IssueAge



20 15.34 11.78 18.92 33.18 47.45 75.9821 15.92 12.05 19.46 34.26 49.07 78.6822 16.52 12.33 20.01 35.38 50.74 81.4723 17.18 12.64 20.63 36.60 52.58 84.5424 17.88 12.96 21.28 37.91 54.54 87.7925 18.62 13.31 21.97 39.28 56.60 91.2326 19.10 13.53 22.41 40.18 57.94 93.4727 19.60 13.76 22.88 41.11 59.33 95.7928 20.15 14.02 23.39 42.13 60.87 98.3529 20.73 14.29 23.93 43.21 62.49 101.0430 21.34 14.57 24.50 44.34 64.19 103.8831 21.99 14.88 25.10 45.55 66.00 106.9032 22.68 15.20 25.74 46.83 67.93 110.1133 23.41 15.54 26.42 48.19 69.96 113.5134 24.20 15.90 27.16 49.66 72.17 117.1835 25.02 16.28 27.92 51.19 74.46 120.9936 26.37 16.91 29.17 53.70 78.22 127.2737 27.78 17.57 30.49 56.32 82.16 133.8338 29.28 18.27 31.88 59.11 86.34 140.8039 30.86 19.00 33.35 62.05 90.75 148.1540 32.53 19.78 34.90 65.16 95.41 155.9141 34.29 20.59 36.54 68.43 100.32 164.1042 36.16 21.46 38.28 71.91 105.54 172.7943 38.12 22.38 40.10 75.55 111.00 181.9144 40.20 23.34 42.04 79.42 116.81 191.5845 42.39 24.36 44.07 83.50 122.92 201.7646 44.41 25.30 45.95 87.25 128.55 211.1647 46.54 26.29 47.93 91.21 134.50 221.0648 48.78 27.33 50.02 95.38 140.75 231.4849 51.15 28.43 52.22 99.79 147.36 242.5050 53.63 29.59 54.53 104.40 154.28 254.0351 56.24 30.80 56.95 109.26 161.56 266.1752 58.98 32.08 59.50 114.35 169.20 278.9153 61.86 33.41 62.18 119.71 177.24 292.3054 64.87 34.81 64.98 125.31 185.64 306.3055 68.04 36.29 67.93 131.20 194.48 321.0456 71.84 38.06 71.46 138.27 205.08 338.7157 75.86 39.92 75.20 145.75 216.30 357.4058 80.16 41.92 79.20 153.75 228.30 377.3959 84.74 44.05 83.46 162.27 241.07 398.6960 89.62 46.32 88.00 171.34 254.69 421.3861 94.83 48.75 92.84 181.03 269.23 445.6162 100.39 51.33 98.01 191.38 284.74 471.4663 106.30 54.08 103.51 202.37 301.23 498.9564 112.58 57.00 109.35 214.05 318.75 528.1565 119.29 60.12 115.59 226.53 337.47 559.3566 124.89 62.72 120.80 236.95 353.09 585.3967 130.83 65.49 126.32 247.99 369.67 613.0168 137.17 68.43 132.22 259.79 387.35 642.4969 143.92 71.57 138.50 272.34 406.19 673.8870 152.60 75.61 146.57 288.49 430.40 714.2471 161.87 79.92 155.19 305.73 456.27 757.3572 171.71 84.50 164.34 324.03 483.72 803.1073 182.08 89.32 173.98 343.32 512.65 851.3274 192.99 94.39 184.13 363.61 543.09 902.0575 204.44 99.71 194.78 384.91 575.04 955.3076 217.27 105.68 206.71 408.77 610.83 1,014.9677 230.97 112.05 219.45 434.25 649.06 1,078.6678 245.69 118.90 233.14 461.63 690.13 1,147.1179 261.58 126.28 247.92 491.19 734.46 1,221.0080 278.73 134.26 263.87 523.09 782.31 1,300.74

Express Issue DeluxeSimplified Issue Whole Life

Available Benefits & Riders:*• ChildRider• AccidentalDeathBenefit

Atwo-yearlook-backforCancer,Heart/CirculatoryDisorder,Stroke,Alzheimers,Dementia,SickleCellAnemia,KidneyDisease,LiverDisease,LungDisease,ALS,Neurologicaldisorders,andalcoholordrugabuse.

Female Tobacco

IssueAge



20 12.15 10.30 15.95 27.25 38.55 61.1521 12.64 10.53 16.41 28.16 39.92 63.4322 13.19 10.78 16.92 29.18 41.45 65.9823 13.77 11.05 17.46 30.26 43.07 68.6824 14.35 11.32 18.00 31.34 44.69 71.3825 14.98 11.62 18.58 32.51 46.44 74.3126 15.49 11.85 19.06 33.46 47.87 76.6827 16.04 12.11 19.57 34.48 49.40 79.2428 16.60 12.37 20.09 35.53 50.96 81.8429 17.21 12.65 20.66 36.66 52.67 84.6830 17.84 12.95 21.24 37.83 54.42 87.6131 18.49 13.25 21.85 39.04 56.24 90.6332 19.20 13.58 22.51 40.36 58.22 93.9333 19.94 13.92 23.19 41.74 60.28 97.3734 20.72 14.28 23.92 43.19 62.46 101.0035 21.56 14.68 24.70 44.75 64.80 104.9036 22.64 15.18 25.71 46.76 67.82 109.9337 23.79 15.71 26.77 48.90 71.02 115.2738 25.00 16.28 27.90 51.15 74.40 120.9039 26.29 16.87 29.10 53.55 78.00 126.9040 27.60 17.48 30.32 55.99 81.65 132.9941 29.02 18.14 31.64 58.63 85.62 139.5942 30.47 18.82 32.99 61.32 89.66 146.3443 32.02 19.54 34.43 64.21 93.99 153.5444 33.63 20.29 35.93 67.20 98.48 161.0345 35.33 21.08 37.51 70.36 103.22 168.9346 36.86 21.79 38.93 73.21 107.49 176.0547 38.47 22.54 40.43 76.20 111.98 183.5448 40.15 23.32 41.99 79.33 116.67 191.3549 41.92 24.14 43.64 82.62 121.61 199.5850 43.78 25.01 45.37 86.08 126.80 208.2351 45.72 25.91 47.17 89.69 132.21 217.2552 47.75 26.85 49.06 93.47 137.87 226.6953 49.89 27.85 51.05 97.45 143.84 236.6454 52.11 28.88 53.11 101.57 150.04 246.9655 54.44 29.96 55.28 105.91 156.54 257.8056 57.24 31.27 57.88 111.12 164.35 270.8257 60.21 32.65 60.65 116.64 172.64 284.6358 63.37 34.12 63.58 122.52 181.45 299.3259 66.72 35.67 66.70 128.75 190.80 314.9060 70.29 37.33 70.02 135.39 200.76 331.5061 74.10 39.11 73.56 142.48 211.39 349.2262 78.12 40.98 77.30 149.95 222.60 367.9163 82.40 42.97 81.28 157.91 234.55 387.8164 87.69 45.43 86.20 167.75 249.31 412.4165 91.76 47.32 89.99 175.32 260.66 431.3366 96.44 49.49 94.34 184.03 273.72 453.1067 101.42 51.81 98.97 193.29 287.61 476.2568 106.75 54.29 103.93 203.21 302.48 501.0469 112.44 56.93 109.22 213.79 318.36 527.5070 119.70 60.31 115.97 227.29 338.61 561.2671 127.46 63.92 123.19 241.73 360.26 597.3472 135.73 67.76 130.88 257.11 383.34 635.7973 144.51 71.85 139.04 273.44 407.83 676.6274 153.77 76.15 147.66 290.66 433.67 719.6875 163.56 80.71 156.76 308.87 460.98 765.2076 173.81 85.47 166.29 327.94 489.58 812.8777 184.77 90.57 176.49 348.32 520.16 863.8378 196.55 96.05 187.44 370.23 553.02 918.6179 209.25 101.95 199.25 393.86 588.46 977.6680 222.99 108.34 212.03 419.41 626.79 1,041.55



8

Express Issue PremierSimplified Issue Whole Life

IssueAges: 20-80(agenearest)FaceAmounts: $5,000-100,000(throughage60)

$5,000-50,000(ages61-80)

RateClasses: Non-Tobacco/TobaccoBuilt-inRating: 4TablesAnnualPolicyFee: $50(commissionable)

Ideal product for clients with minor health issues, such as controlled high blood pressure or controlled high cholesterol, or Type II Diabetes (non-insulin dependent).

Male Non-Tobacco

IssueAge



20 8.14 8.44 12.22 23.58 42.50 80.3521 8.45 8.58 12.51 24.30 43.94 83.2422 8.76 8.72 12.80 25.02 45.38 86.1223 9.11 8.89 13.12 25.83 47.01 89.3724 9.47 9.05 13.46 26.67 48.69 92.7225 9.86 9.23 13.82 27.57 50.50 96.3526 10.14 9.37 14.08 28.23 51.80 98.9527 10.42 9.50 14.34 28.88 53.10 101.5628 10.72 9.63 14.62 29.57 54.50 104.3529 11.03 9.78 14.91 30.29 55.94 107.2330 11.36 9.93 15.21 31.06 57.47 110.3031 11.70 10.09 15.53 31.85 59.06 113.4632 12.06 10.26 15.87 32.69 60.73 116.8133 12.42 10.43 16.20 33.53 62.40 120.1634 12.80 10.60 16.55 34.41 64.17 123.6935 13.20 10.79 16.93 35.34 66.03 127.4136 13.83 11.08 17.51 36.80 68.96 133.2737 14.50 11.39 18.14 38.36 72.08 139.5038 15.21 11.72 18.80 40.01 75.38 146.1039 15.95 12.07 19.48 41.73 78.82 152.9940 16.74 12.43 20.22 43.57 82.49 160.3341 17.55 12.81 20.97 45.45 86.26 167.8742 18.42 13.22 21.78 47.48 90.30 175.9643 19.34 13.64 22.64 49.62 94.58 184.5144 20.32 14.10 23.55 51.89 99.14 193.6345 21.34 14.57 24.50 54.27 103.88 203.1146 22.21 14.98 25.31 56.29 107.93 211.2047 23.12 15.40 26.15 58.40 112.16 219.6748 24.07 15.84 27.04 60.61 116.58 228.5049 25.07 16.31 27.97 62.94 121.23 237.8050 26.13 16.80 28.95 65.40 126.15 247.6651 27.24 17.32 29.98 67.98 131.32 257.9852 28.40 17.86 31.06 70.68 136.71 268.7753 29.62 18.42 32.20 73.52 142.38 280.1254 30.89 19.01 33.38 76.47 148.29 291.9355 32.54 19.78 34.91 80.31 155.96 307.2756 34.29 20.59 36.54 84.37 164.10 323.5557 36.15 21.46 38.27 88.70 172.75 340.8558 38.10 22.37 40.08 93.23 181.82 358.9859 40.19 23.34 42.03 98.09 191.53 378.4260 42.41 24.37 44.09 103.25 201.86 399.0661 44.77 25.47 46.29 108.74 212.8362 47.27 26.63 48.61 114.55 224.4663 49.93 27.87 51.08 120.74 236.8264 52.74 29.17 53.70 127.27 249.8965 55.71 30.56 56.46 134.18 263.7066 60.52 32.79 60.93 145.36 286.0767 65.18 34.96 65.27 156.19 307.7468 70.25 37.32 69.98 167.98 331.3169 75.77 39.88 75.12 180.82 356.9870 81.79 42.68 80.71 194.81 384.9771 89.34 46.19 87.74 212.37 420.0872 97.59 50.03 95.41 231.55 458.4473 106.54 54.19 103.73 252.36 500.0674 116.26 58.71 112.77 274.95 545.2675 126.74 63.58 122.52 299.32 593.9976 137.70 68.68 132.71 324.80 644.9677 146.38 72.72 140.78 344.98 685.3278 155.69 77.05 149.44 366.63 728.6179 165.76 81.73 158.81 390.04 775.4380 176.65 86.79 168.93 415.36 826.07

Female Non-Tobacco

IssueAge



20 6.16 7.51 10.38 18.97 33.29 61.9421 6.42 7.64 10.62 19.58 34.50 64.3622 6.68 7.76 10.86 20.18 35.71 66.7723 6.95 7.88 11.11 20.81 36.97 69.2924 7.24 8.02 11.38 21.48 38.32 71.9825 7.55 8.16 11.67 22.20 39.76 74.8726 7.81 8.28 11.91 22.81 40.97 77.2827 8.06 8.40 12.15 23.39 42.13 79.6128 8.34 8.53 12.41 24.04 43.43 82.2129 8.62 8.66 12.67 24.69 44.73 84.8230 8.91 8.79 12.94 25.37 46.08 87.5131 9.22 8.94 13.22 26.09 47.52 90.4032 9.54 9.09 13.52 26.83 49.01 93.3733 9.88 9.24 13.84 27.62 50.59 96.5334 10.22 9.40 14.15 28.41 52.17 99.7035 10.59 9.57 14.50 29.27 53.89 103.1436 11.06 9.79 14.94 30.36 56.08 107.5137 11.57 10.03 15.41 31.55 58.45 112.2538 12.10 10.28 15.90 32.78 60.92 117.1839 12.64 10.53 16.41 34.04 63.43 122.2040 13.22 10.80 16.94 35.39 66.12 127.6041 13.82 11.08 17.50 36.78 68.91 133.1842 14.44 11.36 18.08 38.22 71.80 138.9443 15.10 11.67 18.69 39.76 74.87 145.0844 15.80 12.00 19.34 41.39 78.12 151.5945 16.53 12.34 20.02 43.08 81.51 158.3846 17.16 12.63 20.61 44.55 84.44 164.2447 17.82 12.94 21.22 46.08 87.51 170.3848 18.50 13.25 21.86 47.66 90.68 176.7049 19.23 13.59 22.53 49.36 94.07 183.4950 19.98 13.94 23.23 51.10 97.56 190.4651 20.78 14.31 23.98 52.96 101.28 197.9052 21.62 14.70 24.76 54.92 105.18 205.7253 22.49 15.11 25.57 56.94 109.23 213.8154 23.40 15.53 26.41 59.06 113.46 222.2755 24.60 16.09 27.53 61.85 119.04 233.4356 25.69 16.60 28.54 64.38 124.11 243.5757 26.84 17.13 29.61 67.05 129.46 254.2658 28.06 17.70 30.75 69.89 135.13 265.6159 29.36 18.30 31.95 72.91 141.17 277.7060 30.73 18.94 33.23 76.10 147.54 290.4461 32.20 19.62 34.60 79.52 154.3862 33.74 20.34 36.03 83.10 161.5463 35.38 21.10 37.55 86.91 169.1764 37.10 21.90 39.15 90.91 177.1765 38.90 22.74 40.83 95.09 185.5466 41.82 24.10 43.54 101.88 199.1167 44.60 25.39 46.13 108.35 212.0468 47.63 26.80 48.95 115.39 226.1369 50.94 28.34 52.02 123.09 241.5270 54.55 30.02 55.38 131.48 258.3171 59.19 32.17 59.70 142.27 279.8872 64.28 34.54 64.43 154.10 303.5573 69.82 37.12 69.58 166.98 329.3174 75.84 39.92 75.18 180.98 357.3175 82.35 42.94 81.24 196.11 387.5876 89.42 46.23 87.81 212.55 420.4577 95.21 48.92 93.20 226.01 447.3878 101.54 51.87 99.08 240.73 476.8179 109.42 55.53 106.41 259.05 513.4580 118.13 59.58 114.51 279.30 553.95



9

Male Tobacco

IssueAge



20 12.71 10.56 16.47 34.20 63.75 122.8521 13.20 10.79 16.93 35.34 66.03 127.4122 13.69 11.02 17.38 36.48 68.31 131.9723 14.23 11.27 17.88 37.73 70.82 136.9924 14.81 11.54 18.42 39.08 73.52 142.3825 15.41 11.82 18.98 40.48 76.31 147.9626 15.84 12.02 19.38 41.48 78.31 151.9627 16.28 12.22 19.79 42.50 80.35 156.0528 16.75 12.44 20.23 43.59 82.54 160.4329 17.24 12.67 20.68 44.73 84.82 164.9830 17.75 12.90 21.16 45.92 87.19 169.7331 18.28 13.15 21.65 47.15 89.65 174.6532 18.83 13.41 22.16 48.43 92.21 179.7733 19.41 13.68 22.70 49.78 94.91 185.1634 20.00 13.95 23.25 51.15 97.65 190.6535 20.62 14.24 23.83 52.59 100.53 196.4236 21.61 14.70 24.75 54.89 105.14 205.6237 22.66 15.19 25.72 57.33 110.02 215.3938 23.76 15.70 26.75 59.89 115.13 225.6239 24.92 16.24 27.83 62.59 120.53 236.4140 26.15 16.81 28.97 65.45 126.25 247.8541 27.43 17.40 30.16 68.42 132.20 259.7542 28.79 18.04 31.42 71.59 138.52 272.4043 30.23 18.71 32.76 74.93 145.22 285.7944 31.75 19.41 34.18 78.47 152.29 299.9345 33.35 20.16 35.67 82.19 159.73 314.8146 35.05 20.95 37.25 86.14 167.63 330.6247 36.85 21.79 38.92 90.33 176.00 347.3648 38.74 22.66 40.68 94.72 184.79 364.9349 40.74 23.59 42.54 99.37 194.09 383.5350 42.87 24.58 44.52 104.32 204.00 403.3451 45.11 25.63 46.60 109.53 214.41 424.1752 47.48 26.73 48.81 115.04 225.43 446.2153 49.97 27.89 51.12 120.83 237.01 469.3754 52.60 29.11 53.57 126.95 249.24 493.8355 55.93 30.66 56.66 134.69 264.72 524.8056 59.47 32.30 59.96 142.92 281.19 557.7257 63.26 34.07 63.48 151.73 298.81 592.9758 67.28 35.94 67.22 161.08 317.50 630.3559 71.60 37.94 71.24 171.12 337.59 670.5360 76.20 40.08 75.52 181.82 358.98 713.3161 81.14 42.38 80.11 193.30 381.9562 86.42 44.84 85.02 205.58 406.5063 92.06 47.46 90.27 218.69 432.7364 98.07 50.25 95.86 232.66 460.6865 104.45 53.22 101.79 247.50 490.3466 112.07 56.76 108.88 265.21 525.7867 119.24 60.10 115.54 281.88 559.1268 126.96 63.69 122.72 299.83 595.0169 135.31 67.57 130.49 319.25 633.8470 144.33 71.76 138.88 340.22 675.7871 154.04 76.28 147.91 362.79 720.9472 164.46 81.12 157.60 387.02 769.3973 175.63 86.32 167.99 412.99 821.3374 187.52 91.85 179.04 440.63 876.6275 200.10 97.70 190.74 469.88 935.1276 212.92 103.66 202.67 499.69 994.7377 226.35 109.90 215.16 530.91 1,057.1878 240.78 116.61 228.58 564.46 1,124.2879 256.35 123.85 243.06 600.66 1,196.6880 273.16 131.67 258.69 639.75 1,274.84

Female Tobacco

IssueAge



20 9.63 9.13 13.61 27.04 49.43 94.2121 10.02 9.31 13.97 27.95 51.24 97.8422 10.44 9.50 14.36 28.92 53.20 101.7423 10.87 9.70 14.76 29.92 55.20 105.7424 11.32 9.91 15.18 30.97 57.29 109.9325 11.80 10.14 15.62 32.09 59.52 114.3926 12.20 10.32 16.00 33.02 61.38 118.1127 12.60 10.51 16.37 33.95 63.24 121.8328 13.03 10.71 16.77 34.94 65.24 125.8329 13.47 10.91 17.18 35.97 67.29 129.9230 13.93 11.13 17.60 37.04 69.42 134.2031 14.41 11.35 18.05 38.15 71.66 138.6632 14.91 11.58 18.52 39.32 73.98 143.3133 15.44 11.83 19.01 40.55 76.45 148.2434 15.98 12.08 19.51 41.80 78.96 153.2635 16.55 12.35 20.04 43.13 81.61 158.5736 17.29 12.69 20.73 44.85 85.05 165.4537 18.08 13.06 21.46 46.69 88.72 172.7938 18.90 13.44 22.23 48.59 92.54 180.4239 19.76 13.84 23.03 50.59 96.53 188.4240 20.66 14.26 23.86 52.68 100.72 196.7941 21.59 14.69 24.73 54.85 105.04 205.4442 22.57 15.15 25.64 57.13 109.60 214.5543 23.60 15.62 26.60 59.52 114.39 224.1344 24.68 16.13 27.60 62.03 119.41 234.1745 25.82 16.66 28.66 64.68 124.71 244.7846 27.08 17.24 29.83 67.61 130.57 256.4947 28.39 17.85 31.05 70.66 136.66 268.6848 29.78 18.50 32.35 73.89 143.13 281.6049 31.25 19.18 33.71 77.31 149.96 295.2850 32.79 19.90 35.14 80.89 157.12 309.6051 34.42 20.66 36.66 84.68 164.70 324.7652 36.14 21.46 38.26 88.68 172.70 340.7553 37.94 22.29 39.93 92.86 181.07 357.4954 39.85 23.18 41.71 97.30 189.95 375.2655 42.29 24.31 43.98 102.97 201.30 397.9556 44.55 25.37 46.08 108.23 211.81 418.9757 46.97 26.49 48.33 113.86 223.06 441.4758 49.54 27.69 50.72 119.83 235.01 465.3759 52.29 28.96 53.28 126.22 247.80 490.9560 55.23 30.33 56.01 133.06 261.47 518.2961 58.37 31.79 58.93 140.36 276.0762 61.70 33.34 62.03 148.10 291.5663 65.24 34.99 65.32 156.33 308.0264 68.98 36.73 68.80 165.03 325.4165 72.93 38.56 72.47 174.21 343.7766 77.45 40.66 76.68 184.72 364.7967 81.58 42.58 80.52 194.32 384.0068 86.08 44.68 84.70 204.79 404.9269 90.96 46.95 89.24 216.13 427.6170 96.28 49.42 94.19 228.50 452.3571 102.07 52.11 99.58 241.96 479.2872 108.32 55.02 105.39 256.49 508.3473 115.08 58.16 111.67 272.21 539.7774 122.33 61.53 118.42 289.07 573.4875 130.01 65.10 125.56 306.92 609.2076 138.29 68.95 133.26 326.17 647.7077 147.22 73.11 141.56 346.94 689.2278 157.00 77.66 150.66 369.68 734.7079 169.20 83.33 162.01 398.04 791.4380 182.66 89.59 174.52 429.33 854.02

Express Issue PremierSimplified Issue Whole Life

Available Benefits & Riders: *• ChildRider• AccidentalDeathBenefit:

Atwo-yearlookbackforSchizophreniaorBipolarDisorder,Diabetesrequiringinsulintreatment,orSystemicLupusErythematosus(SLE).

Productandrider/benefitavailability,andissueagesmayvarybystate.Exclusionsandlimitationsmayapply.*Seepage14fordetails.

10

Male Standard Non-Tobacco

IssueAge

Annual Rate Per


$10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,00018 6.22 10.43 19.11 33.57 48.03 62.50 76.96 91.42 19 6.45 10.65 19.65 34.64 49.64 64.64 79.63 94.63 20 6.69 10.87 20.20 35.76 51.31 66.87 82.42 97.98 21 6.95 11.11 20.81 36.97 53.13 69.29 85.44 101.60 22 7.20 11.35 21.39 38.13 54.87 71.61 88.35 105.09 23 7.49 11.62 22.06 39.48 56.89 74.31 91.72 109.14 24 7.79 11.89 22.76 40.87 58.99 77.10 95.21 113.32 25 8.11 12.19 23.51 42.36 61.22 80.07 98.93 117.78 26 8.46 12.52 24.32 43.99 63.66 83.33 103.00 122.67 27 8.82 12.85 25.16 45.66 66.17 86.68 107.18 127.69 28 9.21 13.22 26.06 47.48 68.89 90.30 111.72 133.13 29 9.61 13.59 26.99 49.34 71.68 94.02 116.37 138.71 30 10.04 13.99 27.99 51.34 74.68 98.02 121.37 144.71 31 10.49 14.41 29.04 53.43 77.82 102.21 126.60 150.99 32 10.95 14.83 30.11 55.57 81.03 106.49 131.94 157.40 33 11.44 15.29 31.25 57.85 84.44 111.04 137.64 164.24 34 11.94 15.75 32.41 60.17 87.93 115.69 143.45 171.21 35 12.48 16.26 33.67 62.68 91.70 120.71 149.73 178.75 36 13.09 16.82 35.08 65.52 95.95 126.39 156.82 187.26 37 13.73 17.42 36.57 68.49 100.42 132.34 164.26 196.18 38 14.41 18.05 38.15 71.66 105.16 138.66 172.17 205.67 39 15.13 18.72 39.83 75.00 110.18 145.36 180.54 215.71 40 15.88 19.42 41.57 78.49 115.41 152.33 189.26 226.18 41 16.67 20.15 43.41 82.17 120.92 159.68 198.44 237.20 42 17.51 20.93 45.36 86.07 126.78 167.49 208.20 248.91 43 18.40 21.76 47.43 90.21 132.99 175.77 218.55 261.33 44 19.34 22.64 49.62 94.58 139.55 184.51 229.48 274.44 45 20.33 23.56 51.92 99.18 146.45 193.72 240.99 288.25 46 21.28 24.44 54.13 103.60 153.08 202.55 252.03 301.51 47 22.28 25.37 56.45 108.25 160.05 211.85 263.66 315.46 48 23.34 26.36 58.92 113.18 167.45 221.71 275.98 330.24 49 24.45 27.39 61.50 118.34 175.19 232.04 288.88 345.73 50 25.63 28.49 64.24 123.83 183.42 243.01 302.60 362.19 51 26.87 29.64 67.12 129.60 192.07 254.54 52 28.18 30.86 70.17 135.69 201.21 266.72 53 29.55 32.13 73.35 142.06 210.76 279.47 54 30.99 33.47 76.70 148.75 220.81 292.86 55 32.84 35.19 81.00 157.36 233.71 310.06 56 34.52 36.75 84.91 165.17 245.43 325.69 57 36.32 38.43 89.09 173.54 257.98 342.43 58 38.20 40.18 93.47 182.28 271.10 359.91 59 40.21 42.05 98.14 191.63 285.11 378.60 60 42.33 44.02 103.07 201.48 299.90 398.32 61 44.59 46.12 108.32 211.99 62 46.98 48.34 113.88 223.11 63 49.51 50.69 119.76 234.87 64 52.18 53.18 125.97 247.29 65 55.00 55.80 132.53 260.40 66 59.46 59.95 142.89 281.14 67 63.73 63.92 152.82 300.99 68 68.36 68.22 163.59 322.52 69 73.39 72.90 175.28 345.91 70 78.86 77.99 188.00 371.35 71 84.78 83.50 201.76 398.88 72 91.18 89.45 216.64 428.64 73 98.06 95.85 232.64 460.63 74 105.45 102.72 249.82 494.99 75 113.33 110.05 268.14 531.63 76 120.59 116.80 285.02 565.39 77 128.20 123.88 302.72 600.78 78 136.34 131.45 321.64 638.63 79 145.17 139.66 342.17 679.69 80 154.70 148.52 364.33 724.01

Female Standard Non-Tobacco

IssueAge

Annual Rate Per


$10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,00018 5.85 10.09 18.25 31.85 45.45 59.06 72.66 86.26 19 6.09 10.31 18.81 32.97 47.13 61.29 75.45 89.61 20 6.34 10.55 19.39 34.13 48.87 63.61 78.35 93.09 21 6.60 10.79 20.00 35.34 50.69 66.03 81.38 96.72 22 6.87 11.04 20.62 36.60 52.57 68.54 84.51 100.49 23 7.15 11.30 21.27 37.90 54.52 71.15 87.77 104.39 24 7.45 11.58 21.97 39.29 56.61 73.94 91.26 108.58 25 7.77 11.88 22.72 40.78 58.85 76.91 94.98 113.04 26 8.07 12.16 23.41 42.18 60.94 79.70 98.46 117.23 27 8.38 12.44 24.13 43.62 63.10 82.58 102.07 121.55 28 8.71 12.75 24.90 45.15 65.40 85.65 105.90 126.15 29 9.04 13.06 25.67 46.69 67.70 88.72 109.74 130.76 30 9.40 13.39 26.51 48.36 70.22 92.07 113.93 135.78 31 9.78 13.75 27.39 50.13 72.87 95.60 118.34 141.08 32 10.17 14.11 28.30 51.94 75.59 99.23 122.88 146.52 33 10.58 14.49 29.25 53.85 78.45 103.04 127.64 152.24 34 11.00 14.88 30.23 55.80 81.38 106.95 132.53 158.10 35 11.45 15.30 31.27 57.89 84.51 111.14 137.76 164.38 36 11.95 15.76 32.43 60.22 88.00 115.79 143.57 171.35 37 12.49 16.27 33.69 62.73 91.77 120.81 149.85 178.89 38 13.05 16.79 34.99 65.33 95.67 126.02 156.36 186.70 39 13.62 17.32 36.32 67.98 99.65 131.32 162.98 194.65 40 14.23 17.88 37.73 70.82 103.90 136.99 170.07 203.16 41 14.87 18.48 39.22 73.80 108.37 142.94 177.51 212.09 42 15.53 19.09 40.76 76.86 112.97 149.08 185.19 221.29 43 16.23 19.74 42.38 80.12 117.85 155.59 193.32 231.06 44 16.96 20.42 44.08 83.51 122.95 162.38 201.81 241.24 45 17.73 21.14 45.87 87.09 128.32 169.54 210.76 251.98 46 18.40 21.76 47.43 90.21 132.99 175.77 218.55 261.33 47 19.09 22.40 49.03 93.42 137.80 182.19 226.57 270.96 48 19.82 23.08 50.73 96.81 142.89 188.98 235.06 281.14 49 20.59 23.80 52.52 100.39 148.27 196.14 244.01 291.88 50 21.38 24.53 54.36 104.07 153.78 203.48 253.19 302.90 51 22.22 25.31 56.31 107.97 159.63 211.30 52 23.10 26.13 58.36 112.07 165.77 219.48 53 24.02 26.99 60.50 116.34 172.19 228.04 54 24.98 27.88 62.73 120.81 178.89 236.96 55 26.25 29.06 65.68 126.71 187.74 248.78 56 27.38 30.11 68.31 131.97 195.63 259.28 57 28.57 31.22 71.08 137.50 203.93 270.35 58 29.83 32.39 74.00 143.36 212.71 282.07 59 31.18 33.65 77.14 149.64 222.13 294.62 60 32.59 34.96 80.42 156.19 231.97 307.74 61 34.11 36.37 83.96 163.26 62 35.70 37.85 87.65 170.66 63 37.38 39.41 91.56 178.47 64 39.16 41.07 95.70 186.74 65 41.00 42.78 99.98 195.30 66 43.71 45.30 106.28 207.90 67 46.22 47.63 112.11 219.57 68 48.95 50.17 118.46 232.27 69 51.92 52.94 125.36 246.08 70 55.16 55.95 132.90 261.14 71 58.70 59.24 141.13 277.61 72 62.54 62.81 150.06 295.46 73 66.68 66.66 159.68 314.71 74 71.14 70.81 170.05 335.45 75 75.90 75.24 181.12 357.59 76 80.72 79.72 192.32 380.00 77 85.94 84.57 204.46 404.27 78 91.66 89.89 217.76 430.87 79 98.77 96.51 234.29 463.93 80 106.63 103.82 252.56 500.48

ProviderSimplified Issue Whole Life

IssueAges: 18-80(agenearest)FaceAmounts: $10,000-150,000(throughage50)

$10,000-100,000(ages51-60)$10,000-50,000(ages61-80)

RateClasses: PreferredNon-Tobacco/StandardNon-Tobacco/Tobacco

AnnualPolicyFee: $50(commissionable)

No-cost built-in Terminal Illness Accelerated Benefit Riderforallfaceamounts.*

Productandrider/benefitavailability,andissueagesmayvarybystate.Exclusionsandlimitationsmayapply.*SeePage14fordetails.


11


For all face amounts, available optional benefits & riders:*• WaiverofPremium• ChildRider

For face amounts of $25,000 or more, no-cost built-in benefits & riders:*• CommonCarrierAccidentalDeathBenefitRider• Life-ThreateningCancerAcceleratedBenefitRider• CharitableGiftDonationBenefit

Male Standard Tobacco

IssueAge

Annual Rate Per


$10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,00018 8.43 12.49 24.25 43.85 63.45 83.05 102.65 122.25 19 8.74 12.78 24.97 45.29 65.61 85.93 106.25 126.57 20 9.07 13.09 25.74 46.83 67.91 89.00 110.09 131.18 21 9.42 13.41 26.55 48.45 70.35 92.26 114.16 136.06 22 9.77 13.74 27.37 50.08 72.80 95.51 118.23 140.94 23 10.16 14.10 28.27 51.89 75.52 99.14 122.76 146.38 24 10.57 14.48 29.23 53.80 78.38 102.95 127.53 152.10 25 11.00 14.88 30.23 55.80 81.38 106.95 132.53 158.10 26 11.48 15.33 31.34 58.03 84.72 111.41 138.11 164.80 27 11.98 15.79 32.50 60.36 88.21 116.06 143.92 171.77 28 12.51 16.28 33.74 62.82 91.91 120.99 150.08 179.16 29 13.07 16.81 35.04 65.43 95.81 126.20 156.59 186.98 30 13.65 17.34 36.39 68.12 99.86 131.60 163.33 195.07 31 14.26 17.91 37.80 70.96 104.11 137.27 170.42 203.58 32 14.90 18.51 39.29 73.94 108.58 143.22 177.86 212.51 33 15.57 19.13 40.85 77.05 113.25 149.45 185.65 221.85 34 16.27 19.78 42.48 80.31 118.13 155.96 193.79 231.62 35 17.00 20.46 44.18 83.70 123.23 162.75 202.28 241.80 36 17.85 21.25 46.15 87.65 129.15 170.66 212.16 253.66 37 18.75 22.09 48.24 91.84 135.43 179.03 222.62 266.21 38 19.70 22.97 50.45 96.26 142.06 187.86 233.66 279.47 39 20.70 23.90 52.78 100.91 149.03 197.16 245.29 293.42 40 21.76 24.89 55.24 105.83 156.43 207.02 257.61 308.20 41 22.86 25.91 57.80 110.95 164.10 217.25 270.40 323.55 42 24.04 27.01 60.54 116.44 172.33 228.22 284.12 340.01 43 25.29 28.17 63.45 122.25 181.05 239.85 298.65 357.45 44 26.61 29.40 66.52 128.39 190.25 252.12 313.99 375.86 45 28.00 30.69 69.75 134.85 199.95 265.05 330.15 395.25 46 29.43 32.02 73.07 141.50 209.92 278.35 346.77 415.20 47 30.94 33.42 76.59 148.52 220.46 292.39 364.33 436.26 48 32.53 34.90 80.28 155.91 231.55 307.18 382.81 458.44 49 34.22 36.47 84.21 163.77 243.33 322.90 402.46 482.02 50 36.01 38.14 88.37 172.10 255.82 339.54 423.27 506.99 51 37.89 39.89 92.74 180.84 268.93 357.03 52 39.89 41.75 97.39 190.14 282.88 375.63 53 41.98 43.69 102.25 199.86 297.46 395.06 54 44.20 45.76 107.42 210.18 312.95 415.71 55 47.00 48.36 113.93 223.20 332.48 441.75 56 49.82 50.98 120.48 236.31 352.14 467.98 57 52.82 53.77 127.46 250.26 373.07 495.88 58 56.00 56.73 134.85 265.05 395.25 525.45 59 59.41 59.90 142.78 280.91 419.03 557.16 60 63.02 63.26 151.17 297.69 444.21 590.74 61 66.89 66.86 160.17 315.69 62 71.02 70.70 169.77 334.89 63 75.41 74.78 179.98 355.31 64 80.07 79.12 190.81 376.98 65 85.00 83.70 202.28 399.90 66 92.16 90.36 218.92 433.19 67 99.08 96.79 235.01 465.37 68 106.58 103.77 252.45 500.25 69 114.76 111.38 271.47 538.28 70 123.64 119.64 292.11 579.58 71 133.28 128.60 314.53 624.40 72 143.71 138.30 338.78 672.90 73 154.98 148.78 364.98 725.31 74 167.08 160.03 393.11 781.57 75 180.00 172.05 423.15 841.65 76 191.53 182.77 449.96 895.26 77 203.61 194.01 478.04 951.44 78 216.59 206.08 508.22 1,011.79 79 230.60 219.11 540.80 1,076.94 80 245.72 233.17 575.95 1,147.25

Female Standard Tobacco

IssueAge

Annual Rate Per


$10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,00018 7.91 12.01 23.04 41.43 59.82 78.21 96.60 114.99 19 8.23 12.30 23.78 42.92 62.05 81.19 100.32 119.46 20 8.57 12.62 24.58 44.50 64.43 84.35 104.28 124.20 21 8.92 12.95 25.39 46.13 66.87 87.61 108.35 129.08 22 9.29 13.29 26.25 47.85 69.45 91.05 112.65 134.25 23 9.67 13.64 27.13 49.62 72.10 94.58 117.06 139.55 24 10.07 14.02 28.06 51.48 74.89 98.30 121.71 145.13 25 10.50 14.42 29.06 53.48 77.89 102.30 126.71 151.13 26 10.91 14.80 30.02 55.38 80.75 106.11 131.48 156.84 27 11.33 15.19 30.99 57.33 83.68 110.02 136.36 162.70 28 11.78 15.61 32.04 59.43 86.82 114.20 141.59 168.98 29 12.24 16.03 33.11 61.57 90.02 118.48 146.94 175.40 30 12.72 16.48 34.22 63.80 93.37 122.95 152.52 182.09 31 13.23 16.95 35.41 66.17 96.93 127.69 158.45 189.21 32 13.76 17.45 36.64 68.63 100.63 132.62 164.61 196.60 33 14.32 17.97 37.94 71.24 104.53 137.83 171.12 204.41 34 14.89 18.50 39.27 73.89 108.51 143.13 177.75 212.37 35 15.50 19.07 40.69 76.73 112.76 148.80 184.84 220.88 36 16.18 19.70 42.27 79.89 117.51 155.12 192.74 230.36 37 16.91 20.38 43.97 83.28 122.60 161.91 201.23 240.54 38 17.66 21.07 45.71 86.77 127.83 168.89 209.95 251.01 39 18.45 21.81 47.55 90.44 133.34 176.24 219.13 262.03 40 19.28 22.58 49.48 94.30 139.13 183.95 228.78 273.61 41 20.13 23.37 51.45 98.25 145.06 191.86 238.66 285.46 42 21.03 24.21 53.54 102.44 151.33 200.23 249.12 298.02 43 21.97 25.08 55.73 106.81 157.89 208.97 260.05 311.13 44 22.96 26.00 58.03 111.41 164.80 218.18 271.56 324.94 45 24.00 26.97 60.45 116.25 172.05 227.85 283.65 339.45 46 25.02 27.92 62.82 120.99 179.16 237.34 295.51 353.68 47 26.08 28.90 65.29 125.92 186.56 247.19 307.83 368.47 48 27.19 29.94 67.87 131.08 194.30 257.52 320.73 383.95 49 28.36 31.02 70.59 136.52 202.46 268.40 334.34 400.27 50 29.58 32.16 73.42 142.20 210.97 279.74 348.52 417.29 51 30.87 33.36 76.42 148.20 219.97 291.74 52 32.21 34.61 79.54 154.43 229.31 304.20 53 33.61 35.91 82.79 160.94 239.08 317.22 54 35.08 37.27 86.21 167.77 249.33 330.89 55 37.00 39.06 90.68 176.70 262.73 348.75 56 38.74 40.68 94.72 184.79 274.86 364.93 57 40.60 42.41 99.05 193.44 287.84 382.23 58 42.57 44.24 103.63 202.60 301.58 400.55 59 44.66 46.18 108.48 212.32 316.15 419.99 60 46.88 48.25 113.65 222.64 331.64 440.63 61 49.24 50.44 119.13 233.62 62 51.73 52.76 124.92 245.19 63 54.35 55.20 131.01 257.38 64 57.11 57.76 137.43 270.21 65 60.00 60.45 144.15 283.65 66 64.20 64.36 153.92 303.18 67 68.13 68.01 163.05 321.45 68 72.42 72.00 173.03 341.40 69 77.08 76.33 183.86 363.07 70 82.19 81.09 195.74 386.83 71 87.76 86.27 208.69 412.73 72 93.80 91.88 222.74 440.82 73 100.37 97.99 238.01 471.37 74 107.45 104.58 254.47 504.29 75 115.00 111.60 272.03 539.40 76 122.32 118.41 289.04 573.44 77 130.22 125.75 307.41 610.17 78 138.87 133.80 327.52 650.40 79 149.67 143.84 352.63 700.62 80 161.57 154.91 380.30 755.95

Productandrider/benefitavailability,andissueagesmayvarybystate.Exclusionsandlimitationsmayapply.*Seepage14fordetails.

12

Male Preferred Non-Tobacco

IssueAge

Annual Rate Per


$10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,00018 5.60 9.86 17.67 30.69 43.71 56.73 69.75 82.7719 5.81 10.05 18.16 31.67 45.17 58.68 72.19 85.7020 6.02 10.25 18.65 32.64 46.64 60.64 74.63 88.6321 6.26 10.47 19.20 33.76 48.31 62.87 77.42 91.9822 6.48 10.68 19.72 34.78 49.85 64.91 79.98 95.0523 6.74 10.92 20.32 35.99 51.66 67.33 83.00 98.6724 7.01 11.17 20.95 37.25 53.54 69.84 86.14 102.4425 7.30 11.44 21.62 38.60 55.57 72.54 89.51 106.4926 7.61 11.73 22.34 40.04 57.73 75.42 93.12 110.8127 7.94 12.03 23.11 41.57 60.03 78.49 96.95 115.4128 8.29 12.36 23.92 43.20 62.47 81.75 101.02 120.3029 8.65 12.69 24.76 44.87 64.98 85.10 105.21 125.3230 9.04 13.06 25.67 46.69 67.70 88.72 109.74 130.7631 9.44 13.43 26.60 48.55 70.49 92.44 114.39 136.3432 9.86 13.82 27.57 50.50 73.42 96.35 119.27 142.2033 10.30 14.23 28.60 52.55 76.49 100.44 124.39 148.3434 10.75 14.65 29.64 54.64 79.63 104.63 129.62 154.6135 11.23 15.09 30.76 56.87 82.98 109.09 135.20 161.3136 11.78 15.61 32.04 59.43 86.82 114.20 141.59 168.9837 12.36 16.14 33.39 62.12 90.86 119.60 148.34 177.0738 12.97 16.71 34.81 64.96 95.12 125.27 155.43 185.5839 13.62 17.32 36.32 67.98 99.65 131.32 162.98 194.6540 14.29 17.94 37.87 71.10 104.32 137.55 170.77 204.0041 15.00 18.60 39.53 74.40 109.28 144.15 179.03 213.9042 15.76 19.31 41.29 77.93 114.58 151.22 187.86 224.5043 16.56 20.05 43.15 81.65 120.16 158.66 197.16 235.6644 17.41 20.84 45.13 85.61 126.08 166.56 207.04 247.5245 18.30 21.67 47.20 89.75 132.29 174.84 217.39 259.9446 19.15 22.46 49.17 93.70 138.22 182.75 227.27 271.7947 20.05 23.30 51.27 97.88 144.50 191.12 237.73 284.3548 21.01 24.19 53.50 102.35 151.19 200.04 248.89 297.7449 22.01 25.12 55.82 107.00 158.17 209.34 260.52 311.6950 23.07 26.11 58.29 111.93 165.56 219.20 272.84 326.4851 24.18 27.14 60.87 117.09 173.31 229.5252 25.36 28.23 63.61 122.57 181.54 240.5053 26.60 29.39 66.50 128.34 190.19 252.0354 27.89 30.59 69.49 134.34 199.18 264.0355 29.55 32.13 73.35 142.06 210.76 279.4756 31.07 33.55 76.89 149.13 221.36 293.6057 32.69 35.05 80.65 156.66 232.66 308.6758 34.38 36.62 84.58 164.52 244.45 324.3859 36.19 38.31 88.79 172.93 257.08 341.2260 38.10 40.08 93.23 181.82 270.40 358.9861 40.13 41.97 97.95 191.2562 42.28 43.97 102.95 201.2563 44.56 46.09 108.25 211.8564 46.96 48.32 113.83 223.0165 49.50 50.69 119.74 234.8366 53.51 54.41 129.06 253.4767 57.36 57.99 138.01 271.3768 61.52 61.86 147.68 290.7269 66.05 66.08 158.22 311.7870 70.97 70.65 169.66 334.6671 76.30 75.61 182.05 359.4572 82.06 80.97 195.44 386.2373 88.25 86.72 209.83 415.0174 94.91 92.92 225.32 445.9875 102.00 99.51 241.80 478.9576 108.53 105.58 256.98 509.3177 115.38 111.95 272.91 541.1778 122.71 118.77 289.95 575.2579 130.65 126.15 308.41 612.1780 139.23 134.13 328.36 652.07

Female Preferred Non-Tobacco

IssueAge

Annual Rate Per $1,000

Monthly PAC Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000

18 5.27 9.55 16.90 29.16 41.41 53.66 65.91 78.1719 5.48 9.75 17.39 30.13 42.87 55.61 68.36 81.1020 5.71 9.96 17.93 31.20 44.48 57.75 71.03 84.3021 5.94 10.17 18.46 32.27 46.08 59.89 73.70 87.5122 6.18 10.40 19.02 33.39 47.76 62.12 76.49 90.8623 6.44 10.64 19.62 34.60 49.57 64.54 79.52 94.4924 6.71 10.89 20.25 35.85 51.45 67.05 82.65 98.2525 6.99 11.15 20.90 37.15 53.41 69.66 85.91 102.1626 7.26 11.40 21.53 38.41 55.29 72.17 89.05 105.9327 7.54 11.66 22.18 39.71 57.24 74.77 92.30 109.8328 7.84 11.94 22.88 41.11 59.33 77.56 95.79 114.0229 8.14 12.22 23.58 42.50 61.43 80.35 99.28 118.2030 8.46 12.52 24.32 43.99 63.66 83.33 103.00 122.6731 8.80 12.83 25.11 45.57 66.03 86.49 106.95 127.4132 9.15 13.16 25.92 47.20 68.47 89.75 111.02 132.2933 9.52 13.50 26.78 48.92 71.05 93.19 115.32 137.4534 9.90 13.86 27.67 50.69 73.70 96.72 119.74 142.7635 10.30 14.23 28.60 52.55 76.49 100.44 124.39 148.3436 10.76 14.66 29.67 54.68 79.70 104.72 129.74 154.7537 11.24 15.10 30.78 56.92 83.05 109.18 135.32 161.4538 11.75 15.58 31.97 59.29 86.61 113.93 141.24 168.5639 12.26 16.05 33.15 61.66 90.16 118.67 147.17 175.6840 12.81 16.56 34.43 64.22 94.00 123.78 153.57 183.3541 13.38 17.09 35.76 66.87 97.98 129.08 160.19 191.3042 13.98 17.65 37.15 69.66 102.16 134.66 167.17 199.6743 14.61 18.24 38.62 72.59 106.55 140.52 174.49 208.4644 15.26 18.84 40.13 75.61 111.09 146.57 182.05 217.5345 15.96 19.49 41.76 78.86 115.97 153.08 190.19 227.2946 16.56 20.05 43.15 81.65 120.16 158.66 197.16 235.6647 17.18 20.63 44.59 84.54 124.48 164.42 204.37 244.3148 17.84 21.24 46.13 87.61 129.08 170.56 212.04 253.5249 18.53 21.88 47.73 90.81 133.90 176.98 220.06 263.1450 19.24 22.54 49.38 94.12 138.85 183.58 228.32 273.0551 20.00 23.25 51.15 97.65 144.15 190.6552 20.79 23.98 52.99 101.32 149.66 198.0053 21.62 24.76 54.92 105.18 155.45 205.7254 22.48 25.56 56.92 109.18 161.45 213.7155 23.63 26.63 59.59 114.53 169.47 224.4156 24.64 27.57 61.94 119.23 176.51 233.8057 25.71 28.56 64.43 124.20 183.98 243.7558 26.85 29.62 67.08 129.50 191.93 254.3659 28.06 30.75 69.89 135.13 200.37 265.6160 29.33 31.93 72.84 141.03 209.23 277.4261 30.70 33.20 76.03 147.4162 32.13 34.53 79.35 154.0563 33.64 35.94 82.86 161.0864 35.24 37.42 86.58 168.5265 36.90 38.97 90.44 176.2466 39.34 41.24 96.12 187.5867 41.60 43.34 101.37 198.0968 44.06 45.63 107.09 209.5369 46.73 48.11 113.30 221.9470 49.64 50.82 120.06 235.4871 52.83 53.78 127.48 250.3172 56.29 57.00 135.52 266.4073 60.01 60.46 144.17 283.7074 64.03 64.20 153.52 302.3975 68.31 68.18 163.47 322.2976 72.65 72.21 173.56 342.4777 77.35 76.59 184.49 364.3378 82.49 81.37 196.44 388.2379 88.89 87.32 211.32 417.9980 95.97 93.90 227.78 450.91



Preferred Rate Class:• Availableforthosewhoqualify.• Non-tobaccoclientsonly.• Discountedpremium.• Leastexpensiverates.


13

Male Juvenile

IssueAge



0 3.67 8.06 13.18 21.72 30.25 38.78 47.31 55.851 3.81 8.19 13.51 22.37 31.22 40.08 48.94 57.802 3.95 8.32 13.83 23.02 32.20 41.39 50.57 59.753 4.09 8.45 14.16 23.67 33.18 42.69 52.20 61.714 4.24 8.59 14.51 24.37 34.22 44.08 53.94 63.805 4.40 8.74 14.88 25.11 35.34 45.57 55.80 66.036 4.57 8.90 15.28 25.90 36.53 47.15 57.78 68.407 4.73 9.05 15.65 26.64 37.64 48.64 59.64 70.638 4.90 9.21 16.04 27.44 38.83 50.22 61.61 73.019 5.06 9.36 16.41 28.18 39.94 51.71 63.47 75.24

10 5.23 9.51 16.81 28.97 41.13 53.29 65.45 77.6111 5.39 9.66 17.18 29.71 42.25 54.78 67.31 79.8412 5.56 9.82 17.58 30.50 43.43 56.36 69.29 82.2113 5.72 9.97 17.95 31.25 44.55 57.85 71.15 84.4414 5.89 10.13 18.34 32.04 45.73 59.43 73.12 86.8215 6.05 10.28 18.72 32.78 46.85 60.92 74.98 89.0516 6.11 10.33 18.86 33.06 47.27 61.47 75.68 89.8817 6.16 10.38 18.97 33.29 47.62 61.94 76.26 90.58

Female Juvenile

IssueAge



0 3.67 8.06 13.18 21.72 30.25 38.78 47.31 55.851 3.81 8.19 13.51 22.37 31.22 40.08 48.94 57.802 3.95 8.32 13.83 23.02 32.20 41.39 50.57 59.753 4.09 8.45 14.16 23.67 33.18 42.69 52.20 61.714 4.23 8.58 14.48 24.32 34.15 43.99 53.82 63.665 4.37 8.71 14.81 24.97 35.13 45.29 55.45 65.616 4.51 8.84 15.14 25.62 36.11 46.59 57.08 67.567 4.64 8.97 15.44 26.23 37.01 47.80 58.59 69.388 4.78 9.10 15.76 26.88 37.99 49.10 60.22 71.339 4.91 9.22 16.07 27.48 38.90 50.31 61.73 73.14

10 5.05 9.35 16.39 28.13 39.87 51.62 63.36 75.1011 5.19 9.48 16.72 28.78 40.85 52.92 64.98 77.0512 5.32 9.60 17.02 29.39 41.76 54.13 66.50 78.8613 5.46 9.73 17.34 30.04 42.73 55.43 68.12 80.8214 5.59 9.85 17.65 30.64 43.64 56.64 69.63 82.6315 5.73 9.98 17.97 31.29 44.62 57.94 71.26 84.5816 5.77 10.02 18.07 31.48 44.90 58.31 71.73 85.1417 5.81 10.05 18.16 31.67 45.17 58.68 72.19 85.70


ProviderSimplified Issue Whole Life For Juveniles

IssueAges: 0-17(agenearest)

AnnualPolicyFee: $50(commissionable)

No-cost built-in Guaranteed Insurability Benefit Riderforallfaceamountsforissueages0-17.*


14

Express Issue Whole Life Benefits/Riders:Simplified Issue Graded Benefit Whole Life

No-Cost Benefits (for face amounts of $10,000 or more):• Identity Theft Waiver of Premium Rider:premiumswaivedforthreemonthsiftheInsuredexperiencesidentitytheft.Rider

terminatesattheearliestofthedatetheriderisexercisedorthedatethepolicyiscontinuedunderanon-forfeitureoption.*• Hospital Stay Waiver of Premium Rider:premiumswaivedforthreemonthsiftheInsuredisconfinedtoalicensedhospitalfor

20continuousdays(ormore).Riderterminatesattheearliestofthedatetheriderisexercisedorthedatethepolicyiscontinuedunderanon-forfeitureoption.*

• Common Carrier Accidental Death Benefit Rider: Anadditionalbenefitispayableifdeathisduetoanaccidentwhileridingonpublictransportationasafare-payingpassenger.Riderterminatesifrequestedinwritingorthedatethepolicyiscontinuedunderanon-forfeitureoption.*

Express Issue Deluxe and Express Issue Premier Benefits/Riders:Simplified Issue Whole Life

• Child Rider:providescoverageforchildrenissueages30days–18years(agelast).Soldinunitsof$5,000(max4units);premiumis$25perunit.Childmustbeinsurable.Separateapplicationrequired.Fullyconvertiblepriortochild’sattainedage21(ordateriderterminates,ifearlier)withoutevidenceofinsurability.ChildRidercanbeaddedtoagrandparent’sbasepolicyonlyifthechildhasbeenlegallyadoptedbythegrandparent.Riderterminatesifrequestedinwriting,thedatethepolicyiscontinuedunderanon-forfeitureoption,ifthepolicyisattheendofitspremiumpayingperiod,orontheanniversaryattheinsured’sattainedage65.Whiletheriderisinforce,insuranceonanychildterminatesonthechild’s21stbirthday.*

• Accidental Death Benefit:issueages20-60(agenearest).ProvidesabenefitinadditiontothebasepolicybenefitpayableshouldtheInsureddiebyaccidentalbodilyinjuryindependentofallothercauses,provideddeathoccurswithin90daysofsuchinjury.Notcovered:waroranyactattributabletowar;riotparticipation;suicide;bodilyormentalinfirmityofanykind;committingorattemptingtocommitanassaultorafelony;voluntaryingestionofpoison,drugorsedativeorasphyxiationfrominhalationofgas;whilebeingtransportedonanykindofaircraftunlesssolelyasapassengerwithoutanydutieswhatsoever.Seepage15forratesperthousand.RiderterminatesattheearliestofthepolicyanniversarynearesttheInsured’s70thbirthday,thedatethepolicyiscontinuedunderanon-forfeitureoption,orifrequestedinwriting.*

Provider Benefits/Riders:Simplified Issue Whole Life

• No-Cost Guaranteed Insurability Benefit Rider:builtintopolicyforallfaceamountsforissueages0–17.Guaranteestherighttopurchaseadditionallifeinsuranceinanamountuptothebasepolicyfaceamountontheoptiondate,withoutevidenceofinsurability.Optiondate:policyanniversarynearestInsured’s25thbirthday.Riderterminatesifrequestedinwriting,onthedatethepolicyiscontinuedunderanon-forfeitureoption,oronthepolicyanniversaryattheInsured’sattainedage25.*

• Total and Permanent Disability Benefit (Waiver of Premium):premiumswaivedduringtotalandpermanentdisabilityuptothepolicyanniversarynearesttheInsured’s60thbirthday.Seepage15forratesperthousand.Riderterminatesifrequestedinwriting,onthedatethepolicyiscontinuedunderanon-forfeitureoption,oronthepolicyanniversarynearesttheInsured’sattainedage60.*

• Child Rider:providescoverageforchildrenissueages30days–18years(agelast).Soldinunitsof$5,000(maxis4units);premiumis$25perunit.Childmustbeinsurable.Separateapplicationrequired.Fullyconvertiblepriortochild’sattainedage21(ordateriderterminates,ifearlier)withoutevidenceofinsurability.ChildRidercanbeaddedtoagrandparent’sbasepolicyonlyifthechildhasbeenlegallyadoptedbythegrandparent.Riderterminatesifrequestedinwriting,thedatethepolicyiscontinuedunderanon-forfeitureoption,ifthepolicyisattheendofitspremiumpayingperiod,orontheanniversaryattheinsured’sattainedage65.Whiletheriderisinforce,insuranceonanychildterminatesonthechild’s21stbirthday.*

• No-Cost Common Carrier Accidental Death Benefit Rider (for face amounts of $25,000 or more):paysanadditionalbenefitequaltothebasepolicyfaceamountiftheInsured’sdeathisduetoaccidentalbodilyinjurywhileridingasafare-payingpassengeronanypublictransportation.Riderterminatesifrequestedinwritingorthedatethepolicyiscontinuedunderanon-forfeitureoption.*

• No-Cost Life-Threatening Cancer Accelerated Benefit Rider (for face amounts of $25,000 or more):advancesthepolicyownerupto10%ofthedeathbenefitofthepolicyiftheInsuredisdiagnosedwithlife-threateningcancerwheredeathislikelywithinfiveyearsasdeterminedbyanindependentoncologist.Riderterminatesifrequestedinwriting,thedatethepolicyiscontinuedunderanon-forfeitureoption,orthedatetheriderbenefitispaid.*

• No-Cost Charitable Gift Donation Benefit (for face amounts of $25,000 or more):providesanadditional1%ofthebasepolicyfaceamountthatwillbepaidtoacharitychosenbythepolicyowneruponthedeathoftheInsured.Ifnocharityischosen,the1%benefitwillbepaidtotheAmericanRedCross.

• No-Cost Terminal Illness Accelerated Benefit Rider:providesthepolicyownerwiththerighttoaccessthepolicy’sdeathbenefit(discountedatinterestforoneyear)onthelifeoftheInsurediftheInsuredisdiagnosedwithalifeexpectancyof12monthsorless.*

*Allridersandbenefitsterminateattheearliestofpolicytermination,thedeathoftheInsured,policyexpiryormaturity,orifthepolicypremium(includingriderpremiumifany)isnotpaidbytheendofthegraceperiod.


15

Male Rates Per Thousand Female Rates Per ThousandPreferred NT Non-Tobacco Tobacco Issue Age Preferred NT Non-Tobacco Tobacco

0.19 0.20 0.22 18 0.19 0.21 0.220.19 0.20 0.22 19 0.19 0.21 0.220.20 0.21 0.24 20 0.21 0.21 0.230.21 0.22 0.25 21 0.22 0.22 0.250.21 0.22 0.26 22 0.22 0.22 0.250.22 0.23 0.27 23 0.23 0.24 0.260.23 0.24 0.28 24 0.24 0.25 0.280.24 0.25 0.29 25 0.25 0.26 0.290.25 0.26 0.31 26 0.26 0.27 0.300.27 0.27 0.32 27 0.28 0.28 0.310.28 0.28 0.34 28 0.29 0.30 0.330.30 0.31 0.36 29 0.30 0.31 0.340.32 0.33 0.39 30 0.31 0.32 0.360.34 0.35 0.41 31 0.32 0.33 0.390.36 0.37 0.43 32 0.34 0.35 0.410.38 0.39 0.45 33 0.36 0.38 0.430.40 0.41 0.49 34 0.38 0.40 0.460.42 0.43 0.51 35 0.41 0.42 0.490.45 0.46 0.54 36 0.43 0.44 0.530.48 0.50 0.59 37 0.46 0.48 0.570.51 0.53 0.63 38 0.50 0.52 0.610.56 0.57 0.68 39 0.53 0.55 0.660.60 0.62 0.73 40 0.57 0.59 0.700.65 0.67 0.80 41 0.61 0.63 0.770.70 0.73 0.88 42 0.66 0.68 0.840.76 0.78 0.95 43 0.72 0.74 0.910.83 0.86 1.03 44 0.77 0.80 1.000.89 0.92 1.12 45 0.83 0.86 1.100.97 1.00 1.23 46 0.88 0.91 1.181.05 1.08 1.36 47 0.95 0.99 1.281.16 1.19 1.51 48 1.04 1.07 1.401.29 1.33 1.69 49 1.14 1.18 1.541.44 1.48 1.90 50 1.25 1.29 1.711.60 1.66 2.16 51 1.38 1.43 1.911.79 1.85 2.45 52 1.52 1.57 2.152.00 2.07 2.78 53 1.68 1.74 2.382.23 2.31 3.14 54 1.86 1.92 2.662.50 2.58 3.56 55 2.06 2.13 2.98

Rider/Benefit Premium Rates

Waiver of Premium:

Child Rider: $25annuallyperunitof$5,000(maxriderface=4units)

Accidental Death Benefit:AgeNearest RatePerThousand

20-32 $1.2533-45 $1.5046-56 $1.7557-60 $2.00


16

Modal Factors For All Plans:

Minimum Modal Premium: $20(unlesspremiumspaidviaEFT)

Policy Fee For All Whole Life Plans: $50annually(commissionable)

Premium Calculation Examples:

El Deluxe55MNT

$10,000face$5,000CR

PAC

El Premier40MT

$45,000face$45,000ADBDirMonthly

Provider35FNTPref$100,000face

WP$20,000CRQuarterly

$43.54 Rate/1,000 $26.15 Rate/1,000 $10.30 Rate/1,000x10.00 Face/1,000 +1.50 ABDRate +.41 WPRate

$435.40 $27.65 $10.71+25.00 1UnitCR x45 Face/1,000 x100 Face/1,000+50.00 PolicyFee $1.244.25 $1,071

$510.40 +50.00 PolicyFee +100 4UnitsCRx.093 ModeFactor $1,294.25 +50.00 PolicyFee

$47.47 PAC x.099 ModeFactor $1,221

$128.13 DirMonthly x.270 ModeFactor

$329.67 Quarterly

Semi-annual: .530Quarterly: .270

MonthlyPAC: .093DirectMonthlyBill: .099

What can I buy?

Premium Requested: $67.00Product: EIPremierSex: FemaleAge:67Nicotine: NoPayment Mode:PAC(.093)Policy Fee:$50Rate per $1,000: 44.60

Face Amount Calculation Example:

Step 1: PremiumRequested $67.00Step 2: Dividebymodalfactor.093 67÷.093=720.4301Step 3: Subtractpolicyfee 720.4301–$50=670.4301Step 4: Dividebyrateperthousand 670.4301÷44.60=15.032Step 5: Multiplyby$1,000 15.032x1,000=15,032Face Amount Result: $15,032

17

MIB, Inc: (formerly the Medical Information Bureau)• Maintainsandsafeguardsarecordonalmosteveryonewhohasappliedforlife,health,criticalillnessdisabilityorlong-

termcareinsurancewithinthepastseven(7)years.• Recordscontaininformationofunderwritingsignificance(medicalandavocationinformation)aboutconsumerswho

haveappliedforlifeandhealthinsurancewithMIBmembercompanies.• ConsumersmayrequestafreecopyoftheirMIBfilebycalling866-692-6901.

TTY866-346-3642forhearingimpaired.• UHL/UFFLdoesnotrelysolelyonMIBreportstodeterminelifeinsuranceeligibility.

Milliman IntelliScript:• Resultsincludedrugname,dosage,filldate,pharmacyandphysicianinformation.• UHL/UFFLapplicantsmayrequestafreecopyoftheirMillimanIntelliScriptprescriptionhistoryreportbycalling

877-211-4816.

Male/Female Build Chart For Simplified Issue Whole Life:

Weight Cannot Exceed The Following:Height Provider El Premier El Deluxe EIWL5’0” 190lbs 210lbs 240lbs

Forapplicantsoutsidetheseranges,useEIWLgradedbenefitplan.

5’4” 215lbs 240lbs 270lbs5’8” 245lbs 270lbs 305lbs6’0” 275lbs 305lbs 340lbs6’4” 305lbs 340lbs 385lbs

Simplified UnderwritingFor all simplified-issue whole life products, a Personal History Interview (PHI) is required.

Know Before You Go® Application Process:• Letyourclientknowwhattoexpect:

• Purpose:toreviewinformationonapplication.• Typicallytakes10-15minutes.• Discussionincludesmedicalhistory,nameofphysician,andotherpertinentinformationfromapp.• Remindclienttobeforthcomingandhonestinansweringinterviewerquestions.

• You,astheagent,initiateaPersonalHistoryInterview(PHI)fromyourclient’shomebycalling866-333-6557.• TelltheoperatortheinterviewisforUHL/UFFLandfortheappropriatesimplifiedissuewholelifeproduct

(ExpressIssueWholeLife,ExpressIssueDeluxe,ExpressIssuePremier,orProvider).• Handthephonetoyourclient,whomustcompletetheinterviewwithoutcoachingorhelpfromothers.• Duringthecall,theinterviewerconductsMIBandIntelliScriptprescriptiondrughistorysearches.• Whentheclientisfinishedwiththeinterview,he/shewillbeaskedtohandthephonebacktoyou.• Basedontheclient’sanswerstothequestions,andtheMIBandprescriptiondrugdatabasesearches,theinterviewer

willtellyouwhetherornottheapplicationshouldbesubmittedtotheHomeOffice.

PHI Hours:• 8:30a.m.–8:30p.m.regardlessoftimezone.• IfthePHIisnotdoneatthetimetheapplicationistaken,theHomeOfficewillorderit.

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Non-Tobacco Definition: No nicotine product use for past 12 months.

Medical Examinations/Bodily Fluids Testing:noroutineexamsorlabtestingrequired.5UHL/UFFLreservestheright,however,toordersuchrequirements,attheunderwriter’sdiscretion.Anagentwritinglifeinsuranceonhis/herownlifeisrequiredtoundergoaparamedexamandurinalysis.• ApprovedParamedCompanies: Portamedic,ExamOne,APPS,EMSI• ApprovedLaboratories: LabOne,ClinicalReferenceLab

Foreign Nationals: ApplicationsacceptedonindividualswhoarenotnaturalizedUScitizensprovidedtheyareherelegallyandonapermanentbasis.Mustpossessasocialsecuritynumber,avalidVisaorGreenCard,andhaveresidedintheUSforthepasttwoyears.

Military Risks: Applicationsacceptedonindividualscurrentlyservinginthemilitaryinanon-combatunitprovidedtheyhavenotbeenalertedforcombatdutyorarenotservinginahazardousarea.CompleteMilitaryPersonnelFinancialServicesDisclosureandsubmitwithapplication.Forms:200-673(UHL);18-673(UFFL).

Attending Physician Statements (APS):Basedontheapplicant’smedicalhistory,MIBinformationorpharmacyreport,anAPSmaybenecessary.AgentsmaybeaskedtoprovidetheAPSattheclient’sexpense.APSswillbeacceptedonlyifprovidedbythephysician/medicalproviderinasealedenvelopeorfaxeddirectlyfromtheprovider’soffice.

App Submission TipsCover Memo:• Legiblycompleteallsections,including:

• Agentinformation.• Howappwastaken.• IfPHIwascompleted.• Ifthepolicyistobemailedtotheagentorpolicyowner.• Anyspecialinstructions.

Application:• Legiblycompleteallsections.• Donotleaveanythingblank.• Beasdescriptiveaspossible.• Clearlycheckanswerboxes.• Clearlynoteproductappliedfor,faceamount,paymentmodeandpremiumamount.• RequiredsignaturesincludeProposedInsured,Policyowner(ifdifferent),andagent.• BasicEligibilityRequirement:ProposedInsuredrequiredtohaveanattendingphysicianandtolistphysician’sname

andcontactinformationontheapplication.

Premium:• Premiumsmaybepaidviacheck,bankdraftormoneyorder.Cash is not accepted.• Acompleted,signedauthorizationformforbankdraftsisrequired.• Mustincludeapre-printedvoidedcheckwithapporacompleted,signedEFTverificationformwithbankname,

routingandaccountnumbersfortheHomeOfficetodraftpremiums.

Application Receipt/Fair Credit Reporting Act:• Completed,signedapplicationreceiptisrequiredifpremiumiscollected.• TheFairCreditReportingAct/MIBNoticemustbeprovidedtotheapplicantatthetimetheapplicationistaken,orifa

point-of-salePHIhasbeenconducted.

HIPAA:• Acompleted,signedHIPAAformmustaccompanyallappssubmittedtotheHomeOffice.

5Oralfluids/HIVtestingcollectedbyaparamedrequiredforWIapplicants.

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Preferred Underwriting Criteria (only for Provider Whole Life):• Standardrisksonly–noratableconditions.• MusthavecurrentMDandadequatehealthcare.• Nocurrentorpasttreatmentforhighcholesterolorhighbloodpressure.• Nohistoryofmentalillnessordepressioninpast10years• Nobankruptcyinpast10years.• Nofelonyormisdemeanorconvictionsinpast10years.• NofamilyhistoryofdeathofaparentorsiblingfromCardiovascularDiseaseorCancerpriortoage60.• Musthavevaliddriver’slicense.Nomorethantwomovingviolationsinpastthreeyears.NoDUIinpastfiveyears.• Noexcessiveuseofalcohol,historyofalcoholabuseortreatment.• Notanactivememberofthemilitary.• MusthavelegallyresidedinUSforthepastthreeyears.• Mustbeemployableonafull-timebasis;cannotbereceivinganyformofdisabilitycompensation.• Aviation:Noparticipationasapilotorcrewmemberinthepasttwoyears.• Noratableavocation(i.e.,racing,scubadiving,mountainclimbing,rodeo,sky-diving).

Preferred Criteria Ages 66-80 (only for Provider Whole Life):• Abovecriteriaplusallofthefollowing:

• Nohistoryoffracturesorfallsinpast10years.• MustbeabletoperformActivitiesofDailyLiving(ADL)–feeding,bathing,dressing,takingownmedications,

toileting,transferringwithnomobilityproblemsornoartificialassistanceformobility,nofunctionalmobilitydeficitssuchastelephoneuse,shopping,housekeepingandyardwork.

• MustansweranadditionalsetofsupplementalhealthquestionsduringthePHI.

Preferred Male/Female Build Chart For Provider Whole Life:

Height Weight Height Weight Height Weight Height Weight4’10” 149lbs 5’4” 181lbs 5’10” 214lbs 6’4” 252lbs4’11” 154lbs 5’5” 186lbs 5’11” 220lbs 6’5” 258lbs5’0” 161lbs 5’6” 192lbs 6’0” 226lbs 6’6” 265lbs5’1” 165lbs 5’7” 197lbs 6’1” 233lbs 6’7” 273lbs5’2” 171lbs 5’8” 203lbs 6’2” 239lbs 6’8” 279lbs5’3” 177lbs 5’9” 209lbs 6’3” 246lbs 6’9” 286lbs

Supplemental Health Questions For Ages 66-80 (only for Provider Whole Life):

All preferred underwriting criteria must be met along with a total of five (5) points from answers to the following ques-tions. Each “yes” answer is 1 point. Questions will be asked by interviewer during PHI.

• DoestheProposedInsuredexerciseaminimumoftwodaysperweek,foratotalofonehourperweek?• DoesProposedInsuredhaveavaliddriver’slicense,andstilldrive?• IstheProposedInsuredcurrentlyemployedforaminimumof10hoursperweek?• DoestheProposedInsuredcurrentlyvolunteerforaminimumoftwohoursperweek?• DoestheProposedInsuredlivewithaspouseorroommate,orhavepetownership?• DoestheProposedInsuredparticipateinrecreationaltravel,hobbiesorsports?• DoestheProposedInsuredhandleallfinancialtransactionsindependentlywithoutrequiringoutsideassistanceto

paybillsandperformnormalbankingtransactions?

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App Submission:• Faxto:317-692-7711

• Mailto:UnitedHomeLifeInsCo.Attn:NewBusinessPOBox7192Indianapolis,IN46207-7192

• Overnight:UnitedHomeLifeInsCo.Attn:NewBusiness225SouthEastStreetIndianapolis,IN46202317-692-7979

UHL/UFFL Opportunity

• Morethantwodecadesinthesimplifiedissuemarket.

• Quickissue.• Initialpremiumcanbedrafted.• Annualized1st-yearcommissionspaid

daily.• Fullycommissionablepolicyfees.• Incentivetrips.• No-costmarketingmaterials.• Directmonthlybillavailable.• Seasonedunderwriters.• E&Onotrequired.• Appcanbetakenoverthephone.

On The Web:

• Downloadapplications,forms,andmarketingmaterials24/7.

• Producttrainingpresentations.

• Trackappstatus.

• Viewdailycommissionactivityandmonthlycommissionstatements.

• Onlinequotingengine.

• Viewpersistency/placementratesforyouandtheagentsinyourhierarchy.

• Trackproductionforagentsinyourhierarchy.

200-6054-12

Foragentuseonly.Notforusewiththegeneralpublic.

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