MINIMUM FACE AMOUNT
- $25,000 - $ 99,999
- $100,000 - $ 250,000
- $250,001 - $ 499,999
- $500,000 - $ 999,999
- $1,000,000 and over
- 18-80 non-nicotine
- 18-75 nicotine
GUARANTEED MINIMUM INTEREST RATE
LIFE INSURANCE TEST
- Cash Value Accumulation Test (CVAT)
Provides guaranteed lifetime Death Benefit protection and three guaranteed periods that allow the insured to cash-out their policy.
GUARANTEED DEATH BENEFIT
Clients can determine the face amount and guarantee length between ages 95 to 121. The Death Benefit is guaranteed to the chosen age, assuming all premiums are paid as scheduled.
GUARANTEED CASH-OUT RIDER
During a 60 day period following the 15th, 20th, and 25th policy anniversaries, the rider allows for surrender of policy in exchange for a partial or full return of premiums paid. Added to the policy for no additional premium for issue ages 18-70.*
- Accelerated Benefit Riders
- Disability Waiver of Stipulated Premium Rider
- Children’s Level Term Rider
There may be an additional cost for the riders above, see Benefits and Rider Guide on the right for complete rider information. All riders are not available in all states.
*Cash-Out Rider may not be available on all substandard rates policies and some may only qualify for the Cash-Out option in the 15th policy anniversary.