- 18-65 Standard (non tobacco) and Standard (tobacco) risks only

- A minimum interest rate of 3 percent is guaranteed on the cash accumulation value
- An interest rate bonus of .50 percent will be given in the 10th policy year and after as long as the current interest rate is higher than the guaranteed interest rate

- Option 1 level death benefit only

- Age 120

The planned premium is flexible and may be changed by the insured once during the policy year, beginning in policy year two and thereafter. The insured may also make additional premium payments at any time. Premiums are payable to age 120. Missed or late premiums can affect the no-lapse guarantee.
Dial-A-Guarantee - The guaranteed coverage can be anywhere between a minimum required period of 20 years and a maximum of lifetime coverage to age 120.

- This allows the insured to catch up if the premiums are less than planned, paid late or skipped. These events cause the selected Guaranteed Death Benefit period to be reduced. To catch up to the originally selected guarantee period, the insured must pay more total premium provided the no-lapse guarantee is in effect.

(Form: A989LNA06R, or state equivalent. In PA, B358LPA06R. In TX, B360LTX06R. Not available in CT.)
- The Accelerated Death Benefit Rider for Terminal Illness and Chronic Illness is a rider available at issue on all policies. The maximum cumulative amount of death benefit that can be accelerated is $250,000. After the acceleration, the death benefit of the policy must be equal to or greater than $25,000. The acceleration can only be elected once for terminal illness. The acceleration can be elected multiple times for chronic illness. An actuarial factor will be applied to the amount requested. There is a $100 charge for the enactment of this rider.

Terminal Illness: the rider provides a benefit of up to $250,000 of the current death benefit if the insured provides evidence that their life expectancy is 12 months (in WA, 24 months) or less. The accelerated death benefit amount will be 94 percent (in WA, 88 percent) of the amount you request. The remaining death benefit will remain in force and payable to the beneficiary at the time of the insured's death, adjusted for outstanding loans and any withdrawals.¹

Chronic Illness: the rider provides a benefit of up to $250,000 of the current death benefit if the insured provides evidence that they are unable to perform 2 of the 6 ADLs and they have been confined to a qualified inpatient home for 90 days or more.^2,3,4,5 The benefit will be paid out either as a lump sum or the amount will be deposited into an account and the client will have access to that account for as long as money is available. The remaining death benefit will remain in force and payable to the beneficiary at the time of the insured's death.<sup>1

1</sup> In FL, Chronic Illness is not available for the Accelerated Death Benefit Rider.
² In NC, the insured is also expected to remain in a qualified inpatient home for the duration of their life.
³ In MN, Chronic Illness is satisfied if a Physician has certified that the Insured:
(a) is unable to perform (without Substantial Assistance from another person) at least two Activities of Daily Living
(b) has been confined to a Nursing Home for 90 consecutive days or more and is expected to remain there for the duration of the Insured's life
(c) requires Substantial Supervision in order to protect the Insured from threats to his or her health and safety due to Severe Cognitive Impairment.
⁴ In VA, Chronic Illness is satisfied if the insured provides evidence that a Physician has certified the Insured is unable to perform, without Substantial Assistance from another person, 2 of the 6 ADLs and they have been confined to a qualified inpatient home for 90 days or more.
⁵ In WA, the rider provides a benefit of up to $250,000 of the current death benefit if a physician has certified within the preceding 12-month period that the insured is unable to perform (without Substantial Assistance from another person) at least 2 of the 6 ADLs without deficiency for a period of at least 90 days due to a loss of functional capacity or requires substantial supervision to protect himself or herself from the threats to health and safety due to severe cognitive impairment.

(Form: 2471L-1197, or state equivalent. In OR, 2483L-1197. In PA, 2476L-1197. Not Available in SC.)
A portion of the funds may be withdrawn without surrender charges in event the insured is:
(a) Hospitalized or confined to a nursing home
(b) Unemployed and receiving unemployment benefits for at least 60 days¹
(c) Disabled and has been approved for Social Security disability benefits²
(d) Diagnosed with terminal illness that will result in death within the next 12 months
(e) Faced with the death of a spouse or minor dependent¹
(f) Determined to have physical damage of $50,000 or more to his/her primary residence¹
(g) Undergoing transplant surgery as an organ donor or recipient of liver, lung, kidney, pancreas, or bone marrow (recipients only) ¹

- Partial withdrawals are available after the first policy anniversary. The minimum withdrawal is $500. The maximum partial withdrawal is a percentage of the cash surrender value, less any outstanding loan balance, less an amount necessary to keep the policy and any riders in force for three months. The maximum partial withdrawal percentages are:
(a) Years 2-19 - 90 percent
(b) Years 20+ - 100 percent

In policy years 2-19 only one partial withdrawal is allowed per year. Surrender charges will apply if partial withdrawals are taken from the policy. A $100 handling fee will be charged.

Policy loans may be made at any time after the first policy year.
(a) Charge 6 percent in advance
(b) Credit 3 percent
(c) Net 3 percent
The minimum loan amount is $500 (Not available in CT, IN, ME, TN, TX, WV).
If a policy loan is made, the death benefit will be reduced by the amount of the loan.

Surrender charges for each $1,000 of current specified amount are applicable during the first 19 policy years. During this period of time, we will deduct a surrender charge from the accumulation value if you:
(a) cancel your policy after the Right to Return This Policy period;
(b) decrease the current Specified Amount; or
(c) take a partial withdrawal.

Surrender charges vary by:
(a) the insured's issue Age, sex, and risk class; and
(b) the length of time the policy has been in force.

- It is possible coverage may not continue to the maturity date even if planned premiums are paid in a timely manner. This restriction will not apply when the no-lapse guarantee is in effect. If the policy does continue in force to the maturity date, it is possible that there will be little or no cash surrender value at that time. Policy values will be affected to the extent interest credits and cost of insurance charges are more favorable than guaranteed credits and charges.

- The face amount will not be paid if the insured's death results from suicide, while sane or insane, within two years from the date of issue (within one year in CO, MO, or ND). Instead, we will pay the sum of premiums paid since issue. In MO, benefits are paid for all causes of death unless evidence shows that suicide was intended at the time of purchase.