Guaranteed Universal Life insurance offers competitive lifetime premiums, attractive product features and the ability to dial down to ages 80-105.

• 18-80 (all risks)
• 81-85 Standard NT and Standard T risks only for $100,000+
• 66-85 Standard NT & Standard T risk only for $50,000 - $99,999

Individuals seeking competitive level premiums for lifetime and dial down guarantees for ages 90-120

• $50,000 - $99,999
  (Table 4 is the only substandard option available)
  (for ages 66-85 Standard NT & Standard T risk only)
• $100,000 - $249,999
• $250,000 - $499,999
• $500,000 - $999,999
• $1,000,000 plus
  (First Year Premium over $2,000,000 requires home office approval.)

• Preferred Plus NT
• Standard Plus NT
• Substandard NT
• Preferred NT
• Standard NT
• Substandard T
• Preferred T
• Standard T

Tables 1 (A) to 16 (P) 25% per table; table-rated cases increase the fully commissionable premium.

First 19 policy years

Monthly Policy Fees:

• $5 policy fee
• A monthly charge per $1,000 of the specified amount
• Cost of insurance for current month
• The monthly rider cost for the current month

Premium Charge:

• 10% premium charge for all years on each premium payment

• Guaranteed Refund Option*
• Accel. Death Benefit for Terminal and Chronic Illness Riders*
• Waiver of Surrender Charges for Partial Withdrawals Rider*
• Guaranteed Insurability Rider*
• Dependent Children's Rider
• Accidental Death Benefit Rider
• Association Group Disability Rider
• Disability Continuation of Planned Premium Rider
• Disability Waiver of Policy Charges Rider

*Included in the policy

2%

Years 2+:

• Charge 4.76% in advance
• Credit 2%
• $100 minimum loan amount

• $100 handling fee
• $500 minimum withdrawal

The guaranteed coverage can be a maximum of lifetime coverage to age 120 or a minimum of age 80 (20 years for ages 61 and above).

• Competitive level premiums for lifetime and dial down guarantees for ages 80-105
• Ability to 'catch-up' missed premium payments
• Offers 'dial-a-guarantee' option