Life Insurance

Benefit Rider covering Heart Attack, Stroke, Cancer and Bypass Surgery along with an Accidental Death, Dismemberment and Common Carrier Rider. It will pay 25% of the death benefit to a living insured in case of one of the following dreaded events:

Heart Attack

Stroke

Life-Threatening Cancer

Coronary Artery Bypass Surgery

It will pay 50% of the death benefit to a living insured in case of:

Female cancers: breast, ovary, uterus and cervix cancer

Male cancers: prostate and testicular cancer

Dismemberment: loss of one hand, one foot or the sight of one eye

It will pay 100% of the death benefit:

To the designated beneficiary upon the insured's death.

To the insured in case of the loss of both hands, both feet, the sight of both eyes or any combination thereof.

It will pay 200% of the death benefit:

To the designated beneficiary upon the insured's accidental death

It will pay 300% of the death benefit:

To the designated beneficiary upon the insured's accidental death while riding as a fare paying passenger on a common carrier.

Premium are $20, $30, $40 or $50 per month
B. A New Term Life Insurance Plan
Provides permanent type Level Coverage to age 99 at low quasi-level premiums without generating cash values. Based on the Age at issue, Current Premiums increase by only 4% every 4 years to and including the next renewal at or after age 80.   The premium will then increase by 1% every year thereafter to age 99.
Advantages:

Level Lifetime Coverage to age 99

Low Cost Indeterminate Premiums start at less than half of a guaranteed premium WL

Guaranteed Maximum Premiums

No Cash Values or non-Forfeiture Value

Allows for "investing the difference"

No need to convert

Ideal companion to a Deferred Annuity

Can accommodate riders (Child)

Issue Ages: 18 - 65, male/female, smoker, non-smoker
Issue Limits:

Minimum:           $100,000
Maximum:       $4,000,000

C. 30 - Year Level Term
Premiums are level for the first 30 years. Annually renewable term (ART) rates apply if the policy is continued into year 31 and beyond. Current premiums are guaranteed for the first 30 years.   The policy is nonparticipating and does not pay dividends.
Death Benefit:

Level Death Benefits

Minimum    -     $100,000

Maximum   -     subject to underwriting approval

Issue Ages:   18 - 50, base on age as of nearest birthday