TERM LIFE INSURANCE. Carrier Name of Product Issue Ages Minimum Face Amount Riders
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1 TERM LIFE INSURANCE Carrier Name of Product Issue Ages Minimum Face Amount Riders American General AG Select - a - Term AG ROP Select-a-Term 10 Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Year: Child Rider Disability Income Rider Terminal Illness Rider Accidental Death Child Rider Terminal Illness Endorsement
2 American National ANICO Select Term 10 Year: Year: Year: Year: Return of Premium Rider Disability Aviva ART $50, , 20- & 30-Year Term $50,000 Additional Insured (Spouse) Rider Plus Rider Additional Insured (Spouse) Rider Plus Rider AXA Term Series 151X (10/15/20 Years) ART: $1,000,000 Living Benefit Rider Children's Term Insurance Rider Disability Premium Waiver Rider TermOne 1 Year: $25,000 N/A Banner OPTerm 10 Year: Year: Year: Year: Waiver of Preium Columbus Life Nautical Term (10/20/30 Years) 10 Year: Year: $150, Year Term 20- and 30- Year Term Return of Premium Rider Disability Rider Accidental Death Rider Accidental Death and Specific Loss Rider Children's Term Rider Other Insured Term Rider Genworth Colony Term UL 10 Year: Year: Year: Year: 0-65 $50,000 Waiver of Specified Premium Rider Children's Level Term Insurance Rider
3 Hartford Hartford Term 10 Year: Year: Child Insurance Rider ING ING TermSmart (10/15/20/25/30 Year) 10 year: year: year: year: year: Rider Rider Children's Term Rider ING ROP Endowment Term (20/25/30 Year) 20 year: year: year: 0-50 Rider Rider Children's Term Rider John Hancock John Hancock Term (10/15/20 Years) 15 Year: $750,000 Total Disability Waiver Accelerated Benefit Conversion Extension Survivorship Term $250,000 N/A Lincoln Benefit True Term 15 Year: $50,000 Children's Level Term Rider Rider Rider Additional Insured Rider Lincoln National Lincoln LifeElements Level Term 15 Year: $250,000 Accelerated Benefit Rider Children's Level Term Insurance Rider Met Life Guaranteed Level Term Non-Convertible Disability Convertible Disabilty Long-Term Care Guaranteed Purchase Option Acceleration of Death Benefit Rider
4 Term Life Answers 15 Year: Accelerated Benefit Rider Rider Other Insured Rider Term Life Complete (15/20/30 Years) Residential Damage Provision for Unemployment Provision Disability Income Disability Mutual of Omaha Term Life Complete ROP (20/30 Years) Residential Damage Provision for Unemployment Provision Disability Term Life Express (15/20/30 Years) $50, $400, Residential Damage Provision for Unemployment Provision Disability Income Disability Term Life Express ROP (20/30 Years) $50,000 - $400,000 Residential Damage Provision for Unemployment Provision Disability New York Life Term Life (5/20 Years) 5 Year: Year: Living Benefits Rider Spouse's Paid - Up Insurance Purchase Option Upromise Rider
5 North American ADDvantage (10/15/20Years) Accelerated Benefit Endorsement Additional Insurance Option Rider Monthly Income Endorsement Child Term Rider Additional Insured Rider Principal Term Life 10 Year: Year: Year: Year: $200,000 Accelerated Benefits Rider Aviation Exclusion Children Term Insurance Rider Hazardous Sports Exclusion Protective Secure T Term Income Provider (10/15/20/25/30 Years) Disability Benefit Rider Children's Term Life Insurance Rider Rider Term Life Insurance Rider Term Essential Living Needs Benefit Children's Protection Rider Prudential Term Elite (10/15/20 Years) Living Needs Benefit Children's Protection Rider PruLife Return of Premium Term (15/20/30 Years) Living Needs Benefit Children's Protection Rider Yearly Renewable Term $25,000 Children's Rider SBLI Level Term 10 Year: Year: Year: Year: Year: Children's Rider
6 Trendsetter Super YRT Accident Indemnity Rider Transamerica Trendsetter Super Series 15 Year: Year: Year: Year: Accident Indemnity Rider Return of Premium Rider (Available on Super 20 and 30 only) Union Central Keystone Term (1/10/15/20/30 Years) 1 Year: Year: Year: Accidental Death Children's Insurance Life Needs Option s for Total Disability Secure T Disability Benefit Rider Children's Term Life Insurance Rider Rider West Coast Life Golden Legacy Term 10 Year: Year: Terminal Illness $250, Year: Split Option Endorsement (Based on Joint Equal Age) Income Replacement Term Term Life Insurance Rider Western Reserve WRL TermPlus (10/15/20/30 Year) 10 year: year: year: year: $25,000 Terminal Illness Accelerated Benefit Provision Return of Premium Benefit Children's Benefit Rider Additional Insured Rider Disability Income Rider
NAME OF PRODUCT ISSUE AGE MIN. FACE RIDERS
TERM LIFE PRODUCTS NAME OF PRODUCT ISSUE AGE MIN. FACE RIDERS AMERICAN NATIONAL ANICO Select Term (10/15/20/30 Years) 10 Yr: 20-70 15 Yr: 20-65 20 Yr: 20-60 30 Yr: 20-50 $100,000 AMERICAN GENERAL AIG Select
OPTerm 20 (guar 20) Preferred Plus Non-Tobacco NOTE: Rates Effective 10/26/2009
Banner Life + ReliaStar Life Insurance Company (ING) + Genworth Life and nnuity Insurance Company M Best Genworth Life Insurance Company M Best merican General Life Companies + Transamerica Life Insurance
TERM CONVERSION PRIVILEGES
Accordia Accordia American General American General American General AXA Term Annual Renewable Term Select A Term ROP Term AG Ultra One Bright Life Term Earlier of level period or age 75 Earlier of ten
Guarantee Conversion Conversion Accelerated
10 Year Term Warehouse American General Select-a-Term 10 American National Signature Term 10 Aviva Life & Annuity Term 10 AXA Equitable Term 10 Banner OPTerm 10 Genworth Colony Term 10 ING ReliaStar TermSmart
All Companies - All Products
Selected Features: Accordia Life - Accordia Term Convertible to any permanent plan of insurance offered by the company without evidence of insurability, in the level term period or to age 75, if earlier.
Term - Level Term Period
Protective Custom Choice UL 8-14 $451.17 The policy may be replaced (subject to contract terms) without evidence of insurability with any company designated permanent plan of life insurance. The replacement
UNIVERSAL LIFE INSURANCE
UNIVERSAL LIFE INSURANCE Carrier Name of Product Issue Ages Minimum Face Amount Riders AG Secure Lifetime (GUL) 18-80 $100,000 Children's Insurance Benefit Spouse/Other Insured Rider Terminal Illness Rider
SURVIVORSHIP LIFE INSURANCE
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Life Approved Carrier List (11.17.11) Carrier Company Rating Product
Allianz Life Insurance Company AM Best A Indexed S&P AA Indexed Moody's A2 Comdex 87 American General AM Best A 10 year term S&P A+ 15 Moody's A2 Comdex 82 Indexed Survivorship Indexed American National
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AMERICAN GENERAL. AM Best S&P Moody's Fitch Company Ratings A A+ A2 A+ Details may vary by state. Not all plans or riders are available in all states.
AMERICAN GENERAL Company Ratings A A+ A2 A+ Select-A-Term 10 years: 20-80 15 years: 20-75 20 years: 20-70 25 years: 20-63 years: 20-55.0875,.265,.52 25, 10 = 55% 15 = 75% 20 = 80% 25 = 80% = 80% $100K
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Standard or Better TOP. Available Maximum Face Amount per Lifetime
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Preferred or Similar Standard or Similar
TOP & TOP PLUS program details Two Programs with Accelerated Underwriting Transamerica Life Insurance Company offers two accelerated underwriting programs that enable qualifying applicants to receive up
Must have been fully underwritten, with blood work, to qualify. If it was issued without blood work/analysis, it is not eligible.
UL TOP Program Details The Transamerica Opportunity Program (TOP) from Transamerica Life Insurance Company offers qualifying clients an easier way to increase or extend their existing term life coverage
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