States Offered: All 50 & DC except NY

Issue Ages: 50-85

Face Amount Options: $5,000- $25,000

2 Year Waiting Period: Yes

Post Date Options: Up To 30 Days (Cannot Post Date Direct Express)

Graded Benefit Plan

Year 1: ROP + 10%

Year 2: ROP + 10%

Year 3 & Beyond: 100% of Death Benefit

Terminal Illness Rider: If you are ever diagnosed with a terminal illness and given a life expectancy of 24 months or less, you can access up to 50% of your death benefit early. This rider is only available after the two-year waiting period has passed.

Chronic Illness Rider: Allows for a one-time lump sum payment if the insured becomes chronically ill (cannot perform 2 out of 6 activities of daily living).