State Availability: All states EXCEPT CA, MT, and NY.

Issue Ages: 40-90

Face Amount Options: $2,500-$25,000

Post Date Options: Up To 93 Days

Graded Benefit Plan

Year 1: ROP + 5%

Year 2: 50% of Death Benefit

Year 3 & Beyond: 100% of Death Benefit

If any answer to questions 1 through 5 is Yes, you are not eligible for coverage.

1. Within the last twenty four (24) months, have you been receiving kidney dialysis, require 24 hour continuous oxygen use (excluding CPAP), have an implanted defibrillator or received or been advised by a member of the medical profession to get an organ transplant?

2. Within the last twenty four (24) months have you been diagnosed with or treated by a member of the medical profession for Alzheimer’s, dementia or memory loss?

3. Currently diagnosed as having, or receiving treatment by a member of the medical profession for invasive cancer (excluding Stage A Prostate Cancer, Carcinoma in Situ, and Squamous Cell/Basal Cell Carcinoma)?

4. Are you currently bedridden, confined to a hospital, nursing home, mental care facility, long term care facility, hospice or been diagnosed with a terminal illness?

5. Have you been diagnosed by a member of the medical profession as having the Human Immunodeficiency Virus (HIV), ARC or AIDS?