15 years (Assumes minimum premiums paid & accumulation value greater than 0)

19 years

After 1st year, require evidence of insurability

After 1st year, does not require evidence of insurability

3%

Term Riders:

Additional protection on the primary insured

Protection for additional family members

Protection specific to children (Issue age 0-17)

Decreasing term insurance on the primary insured offered as alternative to provide a monthly income similar to a surviving spouse benefit

Decreasing Term Insurance on the primary insured, designed to supplement the base insurance amount and decrease with a mortgage or other loan schedule.

Supplemental Benefit Riders:

Waives the monthly cost of insurance deduction, keeps policy in force during period of disability

Additional life insurance for deaths caused by an accident as defined in policy

Right to increase the death benefit at certain ages without evidence of insurability

A no-additional cost, one-time benefit that allows access up to 50% (to a maximum of $250,000) of face amount of the policy in the event the insured is diagnosed, after effective date of policy, with terminal illness where life expectancy is 12 months or less.