AccumUL Answers provides a permanent death benefit and a promise that the protection will continue as long as sufficient premiums are paid. Clients can customize their policies, choosing affordable premiums to fit their budgets.

• 0-17 Standard NT risk only
• 18-80 (all risks)
• 81-85 Standard NT and Standard T risks only

• $25,000 - $99,999
  (Below $100,000, only Standard NT and Standard T risks are available)
• $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 9 policy years.

Monthly Policy Fees:
Current = $5 – Guaranteed = $10
Monthly charge per $1,000 of Specified Amount
Cost of insurance for the current month
Cost of riders for the current month

Premium Charge:
Current = 5% of premium up to the Target Premium
7.5% of premium in excess of the Target Premium
Guaranteed = 10% of each premium payment

• Accel. Death Benefit for Terminal and Chronic Illness Riders*
• Lapse Guard^SM Rider*
• Guaranteed Insurability Rider
• Accidental Death Benefit Rider
• Disability Continuation of Planned Premium Rider
• Disability Waiver of Policy Charges Rider
• Dependent Children's Rider
• Add'l. Insured Term Rider (Self & Other Insured)

*Included in the policy

2%

Years 1-9:
Charge 4% in arrears; Credit 2%.

Years 10+:
Charge 2% in arrears; Credit 2%.

Allowed after first policy year, $100 minimum withdrawal amount.

Short-Term No-Lapse Protection

• Based on payment of Minimum Premiums
• 5 Years

Long-Term No-Lapse Protection

• Based on payment of Target Premiums
• Ages 0-55: 30 Years
• Ages 56-79: To age 85
• Ages 80+: None

• Lapse Guard Protection
• Wash Loan Feature in years 10+
• Policy maturity age is 120