Permanent LIFE INSURANCE

YOUTH WHOLE LIFE

Provide the gift of a lifetime.

Youth Whole Life provides protection for a lifetime at a guaranteed fixed price.

Youth Whole Life Highlights:

• Guaranteed death benefit, cash values and premiums
• Coverage amounts from $2,000 - $50,000
• Options for the future (surrender cash values or reduced paid-up insurance)
• Several payment options: continuous pay, 5-pay or single pay
• Accelerated Death Benefit Rider, Seat Belt Benefit Rider and Additional Paid-Up Insurance Rider available, in states where approved

Level Whole Life - Continous Pay

Your need for life insurance changes as your life changes.

Level Whole Life offers flexibility traditionally not found in whole life products, while still providing lifetime protection that is fully guaranteed.

Level Whole Life Highlights:

• Guaranteed death benefit and cash values
• Covers both short and long-term needs
• No limit on the face amount of any term riders
• Issue ages 18-85
• Coverage amounts from $2,000 - $1,000,000
• Additional Paid-Up Insurance Rider, Additional Insured Term Rider, Waiver of Premium Disability Benefit Rider, Term Insurance Rider for Children, Total Disability Income Benefit Rider, Term Insurance Rider with Accelerated Benefit (CI Rider), Accelerated Death Benefit Rider and Seat Belt Benefit Rider available, in states where approved

ULTRA CHOICE UNIVERSAL LIFE

Permanent protection at a low cost.

ULTRA CHOICE UL is permanent life insurance with an adjustable death benefit and flexible premium payments. Tax-deferred interest adds to cash value.

ULTRA CHOICE UL Highlights:

• Low face amounts from $10,000 or the amount $300 minimum premium will purchase
• Withdrawals and loans available – borrow from the cash value at a low interest rate
• Additional Insured Term Rider, Waiver of Premium Benefit Rider, Accelerated Death Benefit Rider, Accidental Death Benefit Rider, Term Insurance Rider for Children, Seat Belt Benefit Rider, Guaranteed Insurability Option Rider, Total Disability Income Rider and Term Insurance Rider with Accelerated Benefit Rider (CI Rider), in states where approved

CRITICAL ILLNESS RIDER

With improved medical technology, your chance of surviving a critical illness is very high; however, your finances could be in jeopardy.

The Critical Illness Rider can be added to your new individual term, universal or whole life insurance policy to help you protect your loved ones from life's whens and ifs: loss of life and the financial burden that can come with surviving a critical illness.

Critical Illness Highlights:

• The Critical Illness Rider is a 5-, 10-, 15-, 20-, 25- or 30-year term life insurance rider with an accelerated benefit.
• Benefit amounts from $10,000 - $100,000
• Issue ages 18-60
• Provides coverage for the selected term period of 5-, 10-, 15-, 20-, 25- or 30-years or to age 70, whichever is less.
• Nontobacco and tobacco rates
• Upon diagnosis of a covered critical illness, the Critical Illness Rider provides a lump-sum cash payment up to 100% of the face amount of the rider

Covered Conditons
Advanced Stage Cancer
Heart Attack
Stroke
Kidney Failure (End-Stage Renal Disease)
Major Organ Failure
Early Stage Cancer (25% benefit)
Coronary Artery Bypass Surgery (25% benefit)

• Any accelerated benefit will be deducted from the life insurance amount of the rider, not from the base life insurance policy
• Upon death of the insured - if no accelerated benefits are paid and the policy and rider are still in force - a death benefit for the Critical Illness Rider will be paid, in addition to the death benefit of the base life insurance policy

Not all products and riders are approved in all states. Complete product and rider details are contained in the respective policy forms for each product and may vary by state.