Before you proceed to the Proposal          Request a Proposal   

Form, you might want to review the various Plan Options that follow or go back to (The Product) page to do so. 

The Benefit Options: (How do you want the income to be paid?) 

Life Income:  Income will be paid every month for life, terminating upon the beneficiary's death.  (this option will be the least expensive)
• Life Income, with a 10 year Certain Period: The payout period is guaranteed for 10 years.
• Limited Income: Income to age 67, terminating when the insured's age would have been 67.
• Limited Income:  Income paid for the balance of 30 years. 

There are three Plan Options: (Do you want a level benefit or increasing benefit?) 

• Level income benefit, it does not change.  (this option will be the least expensive)
• 3% benefit increase every year, calculated from the date of policy issue.
• 5% benefit increase every year, calculated from the date of the claim. 

The premium payment options:  (How do you want to pay for the protection)

• Life pay.  (this option will be the least expensive)
• 10-year pay - the policy is fully paid up thereafter
• Single Premium - Paid-up no additional premium necessary
• Premium paid to the insure's age of 67
• Premium paid for 30 years

There are several Riders available: (Not all are listed here)

• Accelerated Benefit rider, which allows a percentage 
of the 1st year's monthly income to be paid in a lump sum.  (option provided at no cost)
• Premium Protection rider:  (3 Options, dependent upon the company selected & additional premium is required for this benefit) 
  1.] 
If the beneficiary dies first within the 1st 10 years, then the premium is refunded to a living insured over 120 month and if the death occurs after 10 years the refund is made over the same period as the premium was paid. (additional premium is required for this benefit) 
2.]  If the beneficiary dies first, the premium is returned to the lnsured over 120 months. 
• 3.]  If the beneficiary dies first, there are two options;  a.) 50% of the premium paid will be return to the insured in a lump sum, or 2.) 100% of the premium paid is return over 120 months.