Principal 10-Year Term FOR PRODUCERS. Rate Comparisons

Transcription

1 Principal 10-Year Term FOR PRODUCERS Rate Comparisons Principal 10-Year Term insurance is competitively priced for clients seeking protection for a guaranteed level of time at an affordable cost. Take a look at our 10-Year Term, and see the competitive difference. Assumptions: Premium amounts are based on a male, Standard Non-Tobacco, $1 million death benefit. 35 Banner OPTerm 10 Lincoln National LifeElements Lincoln National LifeElements 10 Banner OPTerm Lincoln National LifeElements 10 Banner OPTerm 10 $675 $689 $695 $725 $725 $728 $730 $760 $780 $1,005 $1,270 $1,308 $1,315 $1,385 $1,385 $1,395 $1,429 $1,510 $1,720 $1,895 $3,110 $3,148 $3,205 $3,435 $3,435 $3,439 $3,595 $3,620 $3,800 $4,235

2 Assumptions: Premium amounts are based on a male, Preferred Non-Tobacco, $1 million death benefit. AGE COMPANY 35 Banner OPTerm10 ING Reliastar TermSmart10 Principal 10-Year Term 2012 Principal 10-Year Term 2011 Lincoln National LifeElements Lincoln National LifeElements 10 Banner OPTerm Banner OPTerm 10 Lincoln National LifeElements 10 PREMIUM $365 $369 $398 $404 $405 $415 $440 $460 $505 $530 $770 $795 $795 $795 $798 $799 $805 $850 $885 $910 $1,965 $1,988 $1,990 $1,995 $2,009 $2,025 $2,025 $2,120 $2,210 $2,385 WE LL GIVE YOU AN EDGE Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa , Principal National Life Insurance Company and Principal Life Insurance Company reserve the right to charge the maximum premium beginning with any premium redetermination date. The premium at redetermination date, if less than the maximum premium stated in the policy, is not guaranteed beyond the current redetermination period. Also, the premium at redetermination date is subject to the company s expectations as to one or more future cost factors including persistency, expenses, mortality and interest. Any increase in premium will not result in an increase in benefits or cash values, if any, or other non-forfeiture values. Insurance products from the Principal Financial Group (The Principal ) are issued by Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company, Des Moines, IA For producer information only. Not for use in sales situations. BB /2012 Policy Forms SN 23 and SF 806 t vw

3 Principal 15-Year Term FOR PRODUCERS Rate Comparisons Principal 15-Year Term insurance is competitively priced for clients seeking protection for a guaranteed level of time at an affordable cost. Take a look at our 15-Year Term, and see the competitive difference. Assumptions: Premium amounts are based on a male, Standard Non-Tobacco, $1 million death benefit. 35 ING Reliastar TermSmart ING Reliastar TermSmart ING Reliastar TermSmart 15 $838 $845 $875 $875 $879 $885 $890 $1,020 $1,100 $1,125 $1,798 $1,910 $1,920 $1,945 $1,945 $1,955 $2,045 $2,059 $2,305 $2,350 $4,180 $4,248 $4,435 $4,465 $4,465 $4,540 $4,825 $4,879 $5,085 $5,490

4 Assumptions: Premium amounts are based on a male, Preferred Non-Tobacco, $1 million death benefit ING Reliastar TermSmart 15 ING Reliastar TermSmart 15 $465 $508 $510 $515 $515 $519 $600 $620 $620 $715 $1,045 $1,050 $1,075 $1,078 $1,085 $1,085 $1,139 $1,145 $1,200 $1, ING Reliastar TermSmart 15 $2,745 $2,800 $2,838 $2,845 $2,859 $2,865 $2,875 $2,925 $2,930 $3,260 WE LL GIVE YOU AN EDGE Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa , Principal National Life Insurance Company and Principal Life Insurance Company reserve the right to charge the maximum premium beginning with any premium redetermination date. The premium at redetermination date, if less than the maximum premium stated in the policy, is not guaranteed beyond the current redetermination period. Also, the premium at redetermination date is subject to the company s expectations as to one or more future cost factors including persistency, expenses, mortality and interest. Any increase in premium will not result in an increase in benefits or cash values, if any, or other non-forfeiture values. Insurance products from the Principal Financial Group (The Principal ) are issued by Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company, Des Moines, IA For producer information only. Not for use in sales situations. BB /2012 Policy Forms SN 23 and SF 806 t wr

5 Principal 20-Year Term FOR PRODUCERS Rate Comparisons Principal 20-Year Term insurance is competitively priced for clients seeking protection for a guaranteed level of time at an affordable cost. Take a look at our 20-Year Term, and see the competitive difference. Assumptions: Premium amounts are based on a male, Standard Non-Tobacco, $1 million death benefit. 35 Principal 20-Year Term 2011 Lincoln National LifeElements Lincoln National LifeElements 20 Principal 20-Year Term Lincoln National LifeElements 20 Principal 20-Year Term 2011 $1,028 $1,035 $1,040 $1,095 $1,095 $1,115 $1,149 $1,255 $1,270 $1,300 $2,280 $2,295 $2,295 $2,298 $2,320 $2,335 $2,345 $2,399 $2,685 $2,760 $5,710 $5,815 $5,828 $5,829 $5,830 $5,875 $5,905 $6,115 $6,405 $6,720

6 Assumptions: Premium amounts are based on a male, Preferred Non-Tobacco, $1 million death benefit. 35 Principal 20-Year Term Lincoln National LifeElements Lincoln National LifeElements 20 Principal 20-Year Term Lincoln National LifeElements 20 Principal 20-Year Term $635 $645 $649 $655 $655 $658 $680 $800 $805 $820 $1,350 $1,405 $1,415 $1,425 $1,425 $1,448 $1,459 $1,460 $1,545 $1,680 $3,420 $3,465 $3,475 $3,475 $3,478 $3,479 $3,495 $3,520 $3,575 $4,350 WE LL GIVE YOU AN EDGE Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa , Principal National Life Insurance Company and Principal Life Insurance Company reserve the right to charge the maximum premium beginning with any premium redetermination date. The premium at redetermination date, if less than the maximum premium stated in the policy, is not guaranteed beyond the current redetermination period. Also, the premium at redetermination date is subject to the company s expectations as to one or more future cost factors including persistency, expenses, mortality and interest. Any increase in premium will not result in an increase in benefits or cash values, if any, or other non-forfeiture values. Insurance products from the Principal Financial Group (The Principal ) are issued by Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company, Des Moines, IA For producer information only. Not for use in sales situations. BB /2012 Policy Forms SN 23 and SF 806 t z4

7 Principal 30-Year Term FOR PRODUCERS Rate Comparisons Principal 30-Year Term insurance is competitively priced for clients seeking protection for a guaranteed level of time at an affordable cost. Take a look at our 30-Year Term, and see the competitive difference. Assumptions: Premium amounts are based on a male, Standard Non-Tobacco, $1 million death benefit. 35 Principal 30-Year Term 2011 Lincoln National LifeElements Lincoln National LifeElements Lincoln National LifeElements 30 $1,668 $1,720 $1,760 $1,765 $1,785 $1,795 $1,840 $1,969 $3,810 $3,838 $3,850 $4,025 $4,025 $4,025 $4,025 $4,369 $6,160 $6,190 $6,238 $6,415 $6,425 $6,585 $6,589 $6,895

8 Assumptions: Premium amounts are based on a male, Preferred Non-Tobacco, $1 million death benefit. 35 Lincoln National LifeElements Lincoln National LifeElements Lincoln National LifeElements 30 $985 $998 $1,000 $1,025 $1,035 $1,040 $1,089 $1,220 $2,320 $2,335 $2,348 $2,385 $2,385 $2,415 $2,470 $2,519 $3,795 $3,805 $3,805 $3,809 $3,810 $3,880 $3,955 $3,958 WE LL GIVE YOU AN EDGE Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa , Principal National Life Insurance Company and Principal Life Insurance Company reserve the right to charge the maximum premium beginning with any premium redetermination date. The premium at redetermination date, if less than the maximum premium stated in the policy, is not guaranteed beyond the current redetermination period. Also, the premium at redetermination date is subject to the company s expectations as to one or more future cost factors including persistency, expenses, mortality and interest. Any increase in premium will not result in an increase in benefits or cash values, if any, or other non-forfeiture values. Insurance products from the Principal Financial Group (The Principal ) are issued by Principal National Life Insurance Company (except in New York) and Principal Life Insurance Company, Des Moines, IA For producer information only. Not for use in sales situations. BB /2012 Policy Forms SN 23 and SF 806 t