NON - MEDICAL SIMPLIFIED 10 YEAR TERM

OVERVIEW

This Non-Medical 10 Year Term policy is a renewable and convertible ----10-year term plan. Your premiums will never increase during the initial------10-year period. You can renew your policy without any additional medical information for additional 10-year periods. To qualify for coverage, you only need to answer "No" to some simple health questions. There are no other medical requirements. This plan is renewable to age 75 and can be converted to a permanent life insurance plan before the age of 65. This policy is available for those aged 18 to 65.

STANDARD BENEFITS

Coverage

The minimum amount you can apply for is $25,000. The maximum coverage is based on the following ages:

18 to 40: $250,000
41 to 50: $200,000
51 to 60: $150,000
61 to 65: $100,000

Renewable

You can renew your policy every 10 years to age 75. Your premiums remain the same through each 10-year period. This benefit is included at no extra cost.

Convertible

Prior to age 65, you may convert this policy, without any new medical questions, to one of a number of permanent life insurance plans. This benefit is included at no extra cost.

Payments

Premium payments may be made annually or monthly. All payments can be made through your bank account or credit card. There is an annual policy fee of $35.