“Great Assurance” Product

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Plan: A first-day coverage plan for all genders and non-tobacco or tobacco users

Face amounts: Range from $2,500 to $40,000 (50-80) and $25,000 (81-85)

1. Accelerated Death Benefit Rider:

   • Free rider for terminal and chronic illnesses.

2. Accidental Death Rider:

   • Optional coverage for accidental death.

3. Child/Grandchild Protection Rider:

   • $1/month for $2,500 benefit on child/grandchild death.

4. Agent Commission Advancing:

   • 9-month advance, up to $1,500 per policy for qualifying individuals.

5. Simplified Application:

   • Quick process with no health exam.

6. Decision Process:

   • Instant approval for faster coverage.

7. Voice Signature:

   • Convenient option for signature.

8. Written On a Not Seen Basis:

   • Applications accepted without seeing them.

"Great Assurance": Aims to provide immediate, accessible coverage with a range of benefits

"Graded Benefit" Product

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Plan: Graded death benefits for various issue classes

1. Issue Classes:

   • Tailored for both male and female applicants, accommodating both non-tobacco and tobacco users.

2. Face Amounts:

   • Offers flexibility, with face amounts ranging from a minimum of $2,500 to a maximum of $40,000 (50-80) and $25,000 (81-85).

3. Graded Death Benefit:

   • Year 1: 30% of the face amount payable

   • Year 2: 70% payable

   • Year 3: 100% payable

4. Child or Grandchild Protection Rider:

   • Optional coverage available for just $1 per month on policies with a face amount of $5,000 or more. It provides a $2,500 benefit on the death of a dependent child or grandchild.

5. Agent Commission Advancing:

   • Eligible individuals can benefit from a 9-month commission advance, with up to $1,500 per policy.

6. Simplified Application:

   • Streamlined process with simple health questions and no health exam required.

7. Decision Process:

   • Instant decisions for quicker coverage approval.

8. Voice Signature:

   • Allows for the convenience of a voice signature.

9. Written On a Not Seen Basis:

   • Applications accepted without seeing them.

"Graded Benefit": offers a structured death benefit plan with additional options for enhanced coverage.

“Guaranteed Assurance" Product

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Plan: Guaranteed issue plan with simple features

1. Issue Classes:

   • Available for both male and female applicants.

2. Face Amounts:

   • Offers flexibility, with a minimum of $1,000 and a maximum of $25,000.

3. Limited Death Benefit:

   • Years 1 and 2: 110% of premiums paid minus any loan. After 2 years, the full death benefit is paid.

4. Child or Grandchild Protection Rider:

   • Optional coverage for just $1 per month on policies with a face amount of $5,000 or more. Provides a $2,500 benefit on the death of a dependent child or grandchild.

5. Agent Commission Advancing:

   • Qualifying individuals can enjoy a 6-month commission advance, with up to $500 per policy.

6. Simplified Application:

   • No health questions and no health exam required.

7. Decision Process:

   • Instant decisions for quicker coverage approval.

8. Voice Signature:

   • Allows for the convenience of a voice signature.

9. Written On a Not Seen Basis:

   • Applications accepted without seeing them.

"Guaranteed Assurance": provides a hassle-free, guaranteed issue plan with straightforward benefits and options for enhanced coverage.