CHECK THESE FEATURES:

• Available for ages 14 days to 17 years
• Available in face amounts of $5,000 to $50,000
• Additional policies may be purchased in the future without evidence of insurability
• Level premiums for the life of the policy (policy matures at age 100)
• Simplified application
• Easy payment options
• No medical underwriting and limited health questions
• Rates never increase with age
• Builds cash value
• Benefits never decrease

Guaranteed Insurability Rider

While the policy is in force, you have the option of purchasing an additional whole life policy on the insured at the time of several life events, without evidence of insurability. The life events are: 1. Marriage 2. Birth or adoption of a child 3. Home purchase 4. The policy anniversary dates following the insured’s 25th, 30th, 35th and 40th birthdays. A reminder letter will be sent 60 days prior to each of the insured’s 25th, 30th, 35th and 40th birthdays. The face amount of the additional policy may not exceed the face amount of the original policy purchased. You will be able to exercise this option up to 5 times. If you wish to apply for an additional policy you must complete the form and pay the first premium prior to the option date.

Waiver of Premium Due to Death of Owner Rider*

We will waive premiums for the policy and all riders attached to it for one 90-day period if the owner dies while the policy is in force. This is a one-time benefit. This benefit is available 24 months after the policy issue date. The benefits waived under this provision will not be deducted from the death benefit.

*Subject to state approval