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LIFE INSURANCE COMPANY




                 Spanish




HP RATES 11/08
Standard rate guide
FINAL EXPENSE


     Must answer “no” to all questions in Section 6 and 7
     Must answer “yes” to question 8a

TWENTY PAY


     Must answer “no” to all questions in Section 6 and 7
     Must answer “yes” to question 8a

PREFERRED WHOLE LIFE
     Separate rates for non-tobacco/tobacco users
     Ages 0 to 70                                                        0-50    $100,000
     Minimum face: $10,000                                              51-60     $50,000
     Must answer “no” to all questions in Section 6 and 7a              61-70     $30,000
     Must answer “yes” to question 7b
     Prescription drug check
     Phone interview and/or APS
     Insured must be owner, spouse of owner or minor child of owner
     If face amount is $20,000 or more, signature of adult insured is required
     Insured’s social security number required

10 YEAR LEVEL TERM
     Renewable to age 70 and convertible to age 80
     Separate rates for non-tobacco/tobacco users                        0-50    $100,000
     Ages 0 to 70                                                       51-60     $50,000
     Minimum face: $10,000                                              61-70     $30,000
     Must answer “no” to all questions in Section 6 and 7a
     Must answer “yes” to question 7b
     Prescription drug check
     Phone interview and/or APS
     Insured must be owner, spouse of owner or minor child of owner
     If face amount is $20,000 or more, signature of adult insured is required
     Insured’s social security number required
  Mississippi Only
    Ages 0-60
    Renewable to age 60 and convertible to age 70
    *Only if insured is owner, spouse of owner or minor child of owner.
3 YEAR MODIFIED DEATH BENEFIT 15 PAY
      Ages 0 to 39
      Minimum face is whatever $15 per month will buy              0-39       $15,000
      Must answer “no” to all questions in Section 6
      Must answer “yes” to question 8a
      Death Benefit
         1st Year - return of premiums paid plus 10%
         2nd Year - return of premiums paid plus 20%
         3rd Year - return of premiums paid plus 30%
         Thereafter - full benefit
      This plan is not available in AR, MA, MN, MT, NJ or NV


2 YEAR MODIFIED DEATH BENEFIT 15 PAY
      Ages 40 to 85
      Minimum face is whatever $15 per month will buy             40-85       $15,000
      Must answer “no” to all questions in Section 6
      Must answer “yes” to question 8a
      Death Benefit
         1st Year - return of premiums paid plus 10%
         2nd Year - return of premiums paid plus 20%
         Thereafter - full benefit
   New Jersey Only
     Ages 40-82 for females
     Ages 40-79 for males


FOR ALL:
      Use insured’s age as of sign date
      Policy fee (charged once per family)
      See additional face amount limits and signature guidelines on page 6.
The owner of the insurance policy may purchase a child rider on his/her child, stepchild or
grandchild who has not reached his or her 19th birthday at the time of the application.
Each unit insures one child for $5,000 level term to age 25. A maximum of 5 units may be
purchased per child. Children that are 18 (15 in FL) need to sign the application. If insuring
multiple children, each child needs to have an equal number of units.

Child rider applicants can qualify for the rider only if they are able to answer “no” to all health
questions on the application and “yes” to the residency question.




                                              15/20 Pay Plans        All Other Plans




                                                                      *



                     Maximum of 8 units
                     *Not available in CT/NE
AD&D RATES
                   15/20 Pay Plans      All Other Plans
          Ages    Annual      PAC       Annual       PAC
          0-70     17.65       1.50      11.76       1.00
1 Unit




          71-75    23.53       2.00      17.65       1.50
          76-80    29.41       2.50      23.53       2.00
          81-85    32.36       2.75      26.47       2.25
          0-70     35.30       3.00      23.53       2.00
2 Units




          71-75    47.06       4.00      35.30       3.00
          76-80    58.82       5.00      47.06       4.00
          81-85    64.72       5.50      52.94       4.50
          0-70     52.95       4.50      35.28       3.00
3 Units




          71-75    70.59       6.00      52.95       4.50
          76-80    88.23       7.50      70.59       6.00
          81-85    97.08       8.25      79.41       6.75
          0-70     70.60       6.00      47.04       4.00
4 Units




          71-75    94.12       8.00      70.60       6.00
          76-80   117.64      10.00      94.12       8.00
          81-85   129.44      11.00     105.88       9.00
          0-70     88.25       7.50      58.80       5.00
5 Units




          71-75   117.65      10.00      88.25       7.50
          76-80   147.05      12.50     117.65      10.00
          81-85   161.80      13.75     132.35      11.25
          0-70    105.90       9.00      70.56       6.00
6 Units




          71-75   141.18      12.00     105.90       9.00
          76-80   176.46      15.00     141.18      12.00
          81-85   194.16      16.50     158.82      13.50
          0-70    123.55      10.50      82.32       7.00
7 Units




          71-75   164.71      14.00     123.55      10.50
          76-80   205.87      17.50     164.71      14.00
          81-85   226.52      19.25     185.29      15.75
          0-70    141.20      12.00      94.08       8.00
8 Units




          71-75   188.24      16.00     141.20      12.00
          76-80   235.28      20.00     188.24      16.00
          81-85   258.88      22.00     211.76      18.00
An existing policy form is required if the insured has existing life insurance coverage in the
following states, even if they are not replacing the business:
AL, AK, AR, AZ, CO, HI, IA, KY, LA, MD, ME, MS, MT, NC, NH, NJ, NM, OH, OR, RI, SC, TX, UT,
VA, VT, WI and WV
     Final Expense*


         Verify which, if any, significant health condition(s) the insured has by answering all
         of the questions listed in Section 7 on the application.

          in Section 6 are answered “no”.
     Preferred/Term*
         If the insureds answer “yes” to anything in Section 6, or question 7a, they are not eligible
         for Preferred or Term, but may be eligible for Final Expense coverage.
         Newborns may be insured 30 days from the date of birth provided all health questions in
         Section 6 are answered “no”.
         *See additional state requirements on page 6.




          We can only issue policies to insureds permanently residing in the United States.
          We do not insure foreign citizens temporarily in the United States.




    6.    A phone interview is attempted on each application. If you wish, you can have this
          interview done while in your insured’s home. After you have completed the application,
          please call our In-House Verification number at 800-218-5657. This is available during
          business hours.
    7.    Please visit our website for other helpful hints including faxing of applications. Go to the
          FAQ’s tab on www.lhlicagents.com/agents/
MAXIMUM FACE AMOUNTS PER RELATIONSHIP
 The maximum face amount applies to the total amount of coverage an insured has between all
 in force policies. All adult insureds must sign the application.
 $15,000 Maximum Final Expense Face Amount
      Parents insuring their children ages 18-21
      Grandparents/great grandparents insuring grandchildren UNDER the age of 18
      Children insuring their parents/in-laws 60 years and OVER
 The following are third party relationships and require a phone interview with the insured.
 $10,000 Maximum Final Expense Face Amount
      Parents or in-laws insuring their children OVER age 21
      Adult children insuring either parents or in-laws that are UNDER the age of 60
      Grandparents/great grandparents insuring grandchildren OVER the age of 18
      Adult grandchildren insuring grandparents
      Anyone insuring their niece, nephew, uncle, aunt, cousin, sister or brother

STATE SPECIFIC SIGNATURE GUIDELINES
 AK/AR/DE/HI/ID/KY/LA/MD/ME/MO/MT/NE/NM/NV/OR/SD/VA/WA/WI/WY: Unless insuring a
 spouse*, all proposed adult insureds must sign the application. (*Spouse’s signature still required
 for Preferred/Term applications $20,000 or more.)
 CA/CO/CT/DC/GA/IA/IL/IN/KS/MA/MS/ND/NH/NJ/OH/RI/SC/TN/TX/VT: In a parent-child relationship, if
 the adult insured is not available to sign or complete a consent call (if living in a different city),
 the policy can still be written, but only as a Modified Death Benefit.
 AL/AZ/OK/UT/WV: Signatures can be waived for parents insuring children (and vice-versa) living
 in different cities and parent-child Modified applications as long as we are able to conduct a phone
 interview with the insured.

 FL/NC: All proposed insureds must sign the application if age 15 and over.
 MI/PA: All proposed insureds must sign the application if age 18 and over.



   1. We advance daily on checking account business if the initial premium is paid with a preprinted
      check from the account we are to draft.
   2. We advance on checking account business when we draft the first premium and a preprinted
      voided check accompanies the application. The advance will be paid four business days after
      the first draft is processed.
   3. We advance on post-dated CWA checks the first business day after the check is deposited.
   4. We advance a maximum per household, payor, owner or insured.
   5. Commission will be paid as earned on checking account business where the first premium is
      paid by money order or agent’s check.
   6. We advance when insureds are not family members and an agent has no influence on the
      policy.
0   $9.29   $0.79   $9.29   $0.79   $10.35   $0.88   $10.35   $0.88
 1    9.53    0.81    9.53    0.81    10.71    0.91    10.71    0.91
 2    9.76    0.83    9.76    0.83    11.06    0.94    11.06    0.94
 3   10.12    0.86   10.12    0.86    11.41    0.97    11.41    0.97
 4   10.47    0.89   10.47    0.89    11.88    1.01    11.88    1.01
 5   10.82    0.92   10.82    0.92    12.35    1.05    12.35    1.05
 6   11.18    0.95   11.18    0.95    12.94    1.10    12.94    1.10
 7   11.53    0.98   11.53    0.98    13.41    1.14    13.41    1.14
 8   12.00    1.02   12.00    1.02    14.00    1.19    14.00    1.19
 9   12.47    1.06   12.47    1.06    14.71    1.25    14.71    1.25
10   12.94    1.10   12.94    1.10    15.29    1.30    15.29    1.30
11   13.41    1.14   13.76    1.17    16.00    1.36    16.47    1.40
12   13.88    1.18   14.71    1.25    16.71    1.42    17.65    1.50
13   14.47    1.23   15.53    1.32    17.41    1.48    18.94    1.61
14   15.06    1.28   16.35    1.39    18.24    1.55    20.12    1.71
15   15.41    1.31   17.29    1.47    18.94    1.61    21.29    1.81
16   16.00    1.36   18.12    1.54    19.76    1.68    22.47    1.91
17   16.47    1.40   18.94    1.61    20.47    1.74    23.65    2.01
18   16.94    1.44   19.88    1.69    21.29    1.81    24.94    2.12
19   17.53    1.49   20.71    1.76    22.00    1.87    26.12    2.22
20   18.00    1.53   21.65    1.84    22.71    1.93    27.29    2.32
21   18.35    1.56   22.00    1.87    23.29    1.98    27.76    2.36
22   18.71    1.59   22.35    1.90    23.76    2.02    28.35    2.41
23   19.06    1.62   22.71    1.93    24.35    2.07    28.82    2.45
24   19.41    1.65   23.06    1.96    24.82    2.11    29.41    2.50
25   19.76    1.68   23.41    1.99    25.29    2.15    29.88    2.54
26   20.12    1.71   23.88    2.03    25.88    2.20    30.59    2.60
27   20.47    1.74   24.35    2.07    26.35    2.24    31.18    2.65
28   20.82    1.77   24.82    2.11    26.94    2.29    31.88    2.71
29   21.29    1.81   25.29    2.15    27.41    2.33    32.47    2.76
30   21.65    1.84   25.76    2.19    28.00    2.38    33.18    2.82
31   21.88    1.86   26.12    2.22    28.12    2.39    33.29    2.83
32   22.00    1.87   26.35    2.24    28.24    2.40    33.41    2.84
33   22.24    1.89   26.59    2.26    28.35    2.41    33.53    2.85
34   22.35    1.90   26.71    2.27    28.47    2.42    33.65    2.86
35   22.59    1.92   26.94    2.29    28.59    2.43    33.76    2.87
36   22.71    1.93   27.18    2.31    28.71    2.44    34.00    2.89
37   22.82    1.94   27.41    2.33    28.82    2.45    34.24    2.91
38   22.94    1.95   27.65    2.35    28.94    2.46    34.35    2.92
39   23.06    1.96   27.88    2.37    29.06    2.47    34.59    2.94
40   23.18    1.97   28.00    2.38    29.18    2.48    34.82    2.96
41   23.88    2.03   28.94    2.46    29.41    2.50    35.06    2.98
42   24.71    2.10   29.76    2.53    30.35    2.58    36.00    3.06
43   25.41    2.16   30.71    2.61    31.18    2.65    37.06    3.15
44   26.24    2.23   31.65    2.69    32.12    2.73    38.00    3.23
45   27.06    2.30   32.47    2.76    33.06    2.81    39.06    3.32
46   $28.00   $2.38   $33.65   $2.86   $34.35   $2.92   $40.59   $3.45
47    29.06    2.47    34.71    2.95    35.65    3.03    42.24    3.59
48    30.00    2.55    35.76    3.04    36.94    3.14    43.76    3.72
49    31.06    2.64    36.94    3.14    38.24    3.25    45.41    3.86
50    32.00    2.72    38.00    3.23    39.53    3.36    47.06    4.00
51    33.41    2.84    39.41    3.35    41.41    3.52    49.18    4.18
52    34.82    2.96    40.82    3.47    43.29    3.68    51.41    4.37
53    36.24    3.08    42.24    3.59    45.18    3.84    53.65    4.56
54    37.65    3.20    43.65    3.71    47.06    4.00    55.76    4.74
55    39.06    3.32    45.06    3.83    49.06    4.17    58.00    4.93
56    40.59    3.45    46.35    3.94    51.06    4.34    60.35    5.13
57    42.24    3.59    47.76    4.06    53.18    4.52    62.82    5.34
58    43.76    3.72    49.18    4.18    55.29    4.70    65.18    5.54
59    45.41    3.86    50.59    4.30    57.41    4.88    67.65    5.75
60    47.06    4.00    52.00    4.42    59.53    5.06    70.00    5.95
61    49.76    4.23    55.18    4.69    62.24    5.29    73.18    6.22
62    52.59    4.47    58.35    4.96    64.94    5.52    76.35    6.49
63    55.41    4.71    61.65    5.24    67.65    5.75    79.65    6.77
64    58.24    4.95    64.82    5.51    70.35    5.98    82.82    7.04
65    61.06    5.19    68.00    5.78    73.06    6.21    86.00    7.31
66    65.06    5.53    72.35    6.15    77.06    6.55    90.35    7.68
67    69.06    5.87    76.82    6.53    81.18    6.90    94.82    8.06
68    73.06    6.21    81.18    6.90    85.29    7.25    99.18    8.43
69    77.06    6.55    85.65    7.28    89.41    7.60   103.65    8.81
70    81.06    6.89    90.00    7.65    93.53    7.95   108.00    9.18
71    86.82    7.38    96.82    8.23   101.76    8.65   116.35    9.89
72    92.59    7.87   103.65    8.81   110.12    9.36   124.82   10.61
73    98.35    8.36   110.35    9.38   118.35   10.06   133.18   11.32
74   104.24    8.86   117.18    9.96   126.71   10.77   141.65   12.04
75   110.00    9.35   124.00   10.54   135.06   11.48   150.00   12.75
76   121.41   10.32   133.88   11.38   150.35   12.78   163.76   13.92
77   132.82   11.29   143.76   12.22   165.76   14.09   177.65   15.10
78   144.24   12.26   153.53   13.05   181.18   15.40   191.41   16.27
79   155.65   13.23   163.41   13.89   196.59   16.71   205.18   17.44
80   167.06   14.20   173.29   14.73   212.00   18.02   219.06   18.62
81   173.29   14.73   179.76   15.28   216.12   18.37   223.29   18.98
82   179.53   15.26   186.12   15.82   220.35   18.73   227.53   19.34
83   185.76   15.79   192.59   16.37   224.47   19.08   231.88   19.71
84   192.00   16.32   199.06   16.92   228.71   19.44   236.12   20.07
85   198.24   16.85   205.41   17.46   232.82   19.79   240.47   20.44
0   $13.88   $1.18   $13.88   $1.18   $16.94   $1.44   $16.94   $1.44
 1    14.12    1.20    14.12    1.20    17.29    1.47    17.29    1.47
 2    14.35    1.22    14.35    1.22    17.53    1.49    17.53    1.49
 3    14.59    1.24    14.59    1.24    17.88    1.52    17.88    1.52
 4    14.82    1.26    14.82    1.26    18.24    1.55    18.24    1.55

 5    15.18    1.29    15.18    1.29    18.59    1.58    18.59    1.58
 6    15.41    1.31    15.41    1.31    18.94    1.61    18.94    1.61
 7    15.76    1.34    15.76    1.34    19.41    1.65    19.41    1.65
 8    16.24    1.38    16.24    1.38    19.88    1.69    19.88    1.69
 9    16.59    1.41    16.59    1.41    20.35    1.73    20.35    1.73

10    17.06    1.45    17.06    1.45    20.82    1.77    20.82    1.77
11    17.41    1.48    17.41    1.48    23.06    1.96    23.06    1.96
12    20.35    1.73    20.35    1.73    25.29    2.15    25.29    2.15
13    22.00    1.87    22.00    1.87    27.53    2.34    27.53    2.34
14    23.65    2.01    23.65    2.01    29.65    2.52    29.65    2.52

15    25.29    2.15    25.29    2.15    31.88    2.71    31.88    2.71
16    26.24    2.23    26.94    2.29    32.82    2.79    34.12    2.90
17    27.06    2.30    28.59    2.43    34.47    2.93    36.24    3.08
18    27.29    2.32    30.24    2.57    34.82    2.96    38.47    3.27
19    27.65    2.35    31.88    2.71    35.06    2.98    40.71    3.46

20    27.88    2.37    33.65    2.86    35.76    3.04    42.94    3.65
21    28.59    2.43    34.24    2.91    36.24    3.08    43.41    3.69
22    29.18    2.48    34.82    2.96    36.94    3.14    43.88    3.73
23    29.76    2.53    35.41    3.01    37.41    3.18    44.47    3.78
24    30.35    2.58    36.00    3.06    38.00    3.23    44.94    3.82

25    30.94    2.63    36.59    3.11    38.59    3.28    45.53    3.87
26    31.41    2.67    37.18    3.16    39.18    3.33    46.12    3.92
27    31.76    2.70    37.76    3.21    39.65    3.37    46.82    3.98
28    32.24    2.74    38.35    3.26    40.00    3.40    47.41    4.03
29    32.71    2.78    39.06    3.32    40.59    3.45    48.12    4.09

30    33.18    2.82    39.65    3.37    41.06    3.49    48.71    4.14
31    33.29    2.83    39.76    3.38    41.41    3.52    48.82    4.15
32    33.41    2.84    39.88    3.39    41.53    3.53    48.94    4.16
33    33.53    2.85    40.00    3.40    41.65    3.54    49.06    4.17
34    33.65    2.86    40.12    3.41    41.76    3.55    49.18    4.18

35    33.76    2.87    40.24    3.42    41.88    3.56    49.29    4.19
36    33.88    2.88    40.35    3.43    42.00    3.57    49.41    4.20
37    34.00    2.89    40.47    3.44    42.12    3.58    49.53    4.21
38    34.12    2.90    40.59    3.45    42.24    3.59    49.65    4.22
39    34.24    2.91    40.71    3.46    42.35    3.60    49.76    4.23
40   $34.35   $2.92   $40.82   $3.47   $42.47   $3.61   $49.88   $4.24
41    34.47    2.93    40.94    3.48    42.59    3.62    50.00    4.25
42    34.59    2.94    41.29    3.51    42.71    3.63    50.12    4.26
43    34.94    2.97    42.24    3.59    42.82    3.64    50.24    4.27
44    35.65    3.03    43.06    3.66    42.94    3.65    50.35    4.28

45    36.59    3.11    44.00    3.74    43.06    3.66    50.47    4.29
46    37.53    3.19    45.06    3.83    43.41    3.69    51.41    4.37
47    38.35    3.26    46.00    3.91    44.47    3.78    52.82    4.49
48    39.41    3.35    47.06    4.00    45.65    3.88    54.24    4.61
49    40.35    3.43    48.00    4.08    46.82    3.98    55.65    4.73

50    41.29    3.51    49.06    4.17    47.88    4.07    57.06    4.85
51    42.82    3.64    50.47    4.29    49.65    4.22    58.94    5.01
52    44.35    3.77    52.00    4.42    51.18    4.35    60.82    5.17
53    45.88    3.90    53.53    4.55    52.94    4.50    62.71    5.33
54    47.41    4.03    55.06    4.68    54.47    4.63    64.59    5.49

55    49.06    4.17    56.47    4.80    56.24    4.78    66.47    5.65
56    50.71    4.31    57.88    4.92    58.00    4.93    68.47    5.82
57    52.35    4.45    59.29    5.04    59.65    5.07    70.47    5.99
58    54.00    4.59    60.71    5.16    61.53    5.23    72.47    6.16
59    55.65    4.73    62.12    5.28    63.29    5.38    74.47    6.33

60    57.41    4.88    63.53    5.40    65.06    5.53    76.47    6.50
61    59.76    5.08    66.35    5.64    67.29    5.72    79.18    6.73
62    62.24    5.29    69.06    5.87    69.65    5.92    81.88    6.96
63    64.71    5.50    71.88    6.11    71.76    6.10    84.59    7.19
64    67.06    5.70    74.71    6.35    74.12    6.30    87.29    7.42

65    69.53    5.91    77.53    6.59    76.35    6.49    90.00    7.65
66    73.53    6.25    81.88    6.96    80.47    6.84    94.35    8.02
67    77.53    6.59    86.35    7.34    84.59    7.19    98.82    8.40
68    81.53    6.93    90.71    7.71    88.71    7.54   103.18    8.77
69    85.53    7.27    95.06    8.08    92.94    7.90   107.65    9.15

70    89.65    7.62    99.53    8.46    97.06    8.25   112.00    9.52
71    95.06    8.08   106.12    9.02   106.35    9.04   121.65   10.34
72   100.71    8.56   112.71    9.58   115.65    9.83   131.18   11.15
73   106.35    9.04   119.29   10.14   122.00   10.37   140.82   11.97
74   111.88    9.51   125.88   10.70   134.59   11.44   150.35   12.78

75   117.53    9.99   132.47   11.26   144.00   12.24   160.00   13.60
76   127.29   10.82   143.06   12.16   157.65   13.40   175.65   14.93
77   137.41   11.68   153.53   13.05   171.18   14.55   191.18   16.25
78   147.29   12.52   164.00   13.94   184.82   15.71   206.82   17.58
79   157.06   13.35   169.06   14.37   198.35   16.86   212.35   18.05

80   167.06   14.20   173.29   14.73   212.00   18.02   219.06   18.62
PREFERRED WHOLE LIFE


 0   $7.88   $0.67   $7.88   $0.67   $9.06   $0.77   $9.06   $0.77
 1    8.12    0.69    8.12    0.69    9.41    0.80    9.41    0.80
 2    8.35    0.71    8.35    0.71    9.65    0.82    9.65    0.82
 3    8.59    0.73    8.59    0.73    9.88    0.84    9.88    0.84
 4    8.82    0.75    8.82    0.75   10.12    0.86   10.12    0.86

 5    9.06    0.77    9.06    0.77   10.35    0.88   10.35    0.88
 6    9.18    0.78    9.18    0.78   10.71    0.91   10.71    0.91
 7    9.29    0.79    9.29    0.79   10.94    0.93   10.94    0.93
 8    9.41    0.80    9.41    0.80   11.18    0.95   11.18    0.95
 9    9.53    0.81    9.53    0.81   11.41    0.97   11.41    0.97

10    9.65    0.82    9.65    0.82   11.65    0.99   11.65    0.99
11    9.76    0.83   10.12    0.86   12.00    1.02   12.35    1.05
12    9.88    0.84   10.35    0.88   12.24    1.04   13.06    1.11
13   10.00    0.85   10.59    0.90   12.47    1.06   13.53    1.15
14   10.12    0.86   10.82    0.92   12.71    1.08   14.00    1.19

15   10.24    0.87   11.06    0.94   13.06    1.11   14.59    1.24
16   10.35    0.88   11.29    0.96   13.29    1.13   15.06    1.28
17   10.47    0.89   11.41    0.97   13.53    1.15   15.29    1.30
18   10.59    0.90   11.65    0.99   13.76    1.17   15.88    1.35
19   10.71    0.91   11.76    1.00   14.00    1.19   16.35    1.39

20   10.82    0.92   12.00    1.02   14.35    1.22   16.94    1.44
21   11.53    0.98   12.71    1.08   14.82    1.26   17.41    1.48
22   12.24    1.04   13.41    1.14   15.29    1.30   17.88    1.52
23   12.94    1.10   14.12    1.20   15.88    1.35   18.47    1.57
24   13.65    1.16   14.82    1.26   16.35    1.39   18.94    1.61

25   14.35    1.22   15.65    1.33   16.94    1.44   19.53    1.66
26   14.82    1.26   16.12    1.37   17.41    1.48   20.00    1.70
27   15.41    1.31   16.59    1.41   17.88    1.52   20.59    1.75
28   15.88    1.35   17.06    1.45   18.47    1.57   21.06    1.79
29   16.35    1.39   17.53    1.49   18.94    1.61   21.53    1.83

30   16.82    1.43   18.00    1.53   19.53    1.66   22.12    1.88
31   16.94    1.44   18.12    1.54   19.65    1.67   22.35    1.90
32   17.18    1.46   18.35    1.56   19.76    1.68   22.59    1.92
33   17.29    1.47   18.47    1.57   19.88    1.69   22.71    1.93
34   17.41    1.49   18.59    1.58   20.00    1.70   23.06    1.96

35   17.65    1.50   18.71    1.59   20.12    1.71   23.29    1.98
36   17.76    1.51   19.18    1.63   20.24    1.72   23.53    2.00
37   17.88    1.52   19.76    1.68   20.35    1.73   24.00    2.04
38   18.00    1.53   20.12    1.71   20.47    1.74   24.35    2.07
39   18.12    1.54   20.59    1.75   20.59    1.75   24.71    2.10
PREFERRED WHOLE LIFE


40   $18.24   $1.55   $21.06   $1.79   $20.71   $1.76   $25.06   $2.13
41    18.59    1.58    22.00    1.87    21.06    1.79    26.35    2.24
42    19.18    1.63    23.06    1.96    22.00    1.87    27.76    2.36
43    19.76    1.68    24.00    2.04    23.06    1.96    29.18    2.48
44    20.35    1.73    25.06    2.13    24.00    2.04    30.59    2.60

45    21.06    1.79    26.00    2.21    25.06    2.13    32.00    2.72
46    21.76    1.85    27.06    2.30    26.35    2.24    33.65    2.86
47    22.59    1.92    28.00    2.38    27.76    2.36    35.18    2.99
48    23.41    1.99    29.06    2.47    29.18    2.48    36.82    3.13
49    24.24    2.06    30.00    2.55    30.59    2.60    38.35    3.26

50    25.06    2.13    31.06    2.64    32.00    2.72    40.00    3.40
51    26.35    2.24    32.35    2.75    34.00    2.89    42.59    3.62
52    27.76    2.36    33.76    2.87    36.00    3.06    45.18    3.84
53    29.18    2.48    35.18    2.99    38.00    3.23    47.76    4.06
54    30.59    2.60    36.59    3.11    40.00    3.40    50.35    4.28

55    32.00    2.72    38.00    3.23    42.00    3.57    53.06    4.51
56    33.65    2.86    39.41    3.35    44.00    3.74    54.59    4.64
57    35.18    2.99    40.82    3.47    46.00    3.91    56.24    4.78
58    36.82    3.13    42.24    3.59    48.00    4.08    57.76    4.91
59    38.35    3.26    43.65    3.71    50.00    4.25    59.41    5.05

60    40.00    3.40    45.06    3.83    52.00    4.42    61.06    5.19
61    42.00    3.57    47.41    4.03    55.06    4.68    64.35    5.47
62    44.00    3.74    49.76    4.23    58.00    4.93    67.76    5.76
63    46.00    3.91    52.24    4.44    61.06    5.19    71.18    6.05
64    48.00    4.08    54.59    4.64    64.00    5.44    74.59    6.34

65    50.00    4.25    57.06    4.85    67.06    5.70    78.00    6.63
66    54.00    4.59    60.82    5.17    72.00    6.12    83.18    7.07
67    58.00    4.93    64.59    5.49    77.06    6.55    88.35    7.51
68    62.00    5.27    68.35    5.81    82.00    6.97    93.65    7.96
69    66.00    5.61    72.24    6.14    87.06    7.40    98.82    8.40

70    70.00    5.95    76.00    6.46    92.00    7.82   104.00    8.84
10 YEAR TERM


 0   $5.06   $0.43   $5.06     $0.43   $7.29   $0.62   $7.29   $0.62
 1    5.06    0.43    5.06      0.43    7.29    0.62    7.29    0.62
 2    5.06    0.43    5.06      0.43    7.29    0.62    7.29    0.62
 3    5.06    0.43    5.06      0.43    7.29    0.62    7.29    0.62
 4    5.06    0.43    5.06      0.43    7.29    0.62    7.29    0.62

 5    5.06    0.43    5.06      0.43    7.29    0.62    7.29    0.62
 6    5.06    0.43    5.06      0.43    7.41    0.63    7.41    0.63
 7    5.18    0.44    5.18      0.44    7.41    0.63    7.41    0.63
 8    5.18    0.44    5.18      0.44    7.41    0.63    7.41    0.63
 9    5.18    0.44    5.18      0.44    7.41    0.63    7.41    0.63

10    5.18    0.44    5.18      0.44    7.41    0.63    7.41    0.63
11    5.18    0.44    5.18      0.44    7.41    0.63    7.41    0.63
12    5.18    0.44    5.29      0.45    7.41    0.63    7.53    0.64
13    5.18    0.44    5.29      0.45    7.41    0.63    7.53    0.64
14    5.18    0.44    5.29      0.45    7.41    0.63    7.65    0.65

15    5.18    0.44    5.41      0.46    7.41    0.63    7.65    0.65
16    5.18    0.44    5.53      0.47    7.41    0.63    7.65    0.65
17    5.18    0.44    5.65      0.48    7.41    0.63    7.76    0.66
18    5.18    0.44    5.65      0.48    7.53    0.64    7.76    0.66
19    5.29    0.45    5.88      0.50    7.53    0.64    7.88    0.67

20    5.29    0.45    6.00      0.51    7.53    0.64    8.00    0.68
21    5.29    0.45    6.12      0.52    7.65    0.65    8.12    0.69
22    5.29    0.45    6.24      0.53    7.65    0.65    8.24    0.70
23    5.41    0.46    6.35      0.54    7.76    0.66    8.35    0.71
24    5.41    0.46    6.35      0.54    7.88    0.67    8.35    0.71

25    5.53    0.47    6.47      0.55    8.00    0.68    8.47    0.72
26    5.65    0.48    6.59      0.56    8.12    0.69    8.59    0.73
27    5.65    0.48    6.71      0.57    8.24    0.70    8.71    0.74
28    5.76    0.49    6.82      0.58    8.35    0.71    8.82    0.75
29    5.88    0.50    6.94      0.59    8.35    0.71    8.94    0.76

30    6.00    0.51    7.06      0.60    8.47    0.72    9.06    0.77
31    6.35    0.54    7.29      0.62    8.59    0.73    9.18    0.78
32    6.82    0.58    7.65      0.65    8.71    0.74    9.41    0.80
33    7.18    0.61    7.88      0.67    8.82    0.75    9.65    0.82
34    7.65    0.65    8.24      0.70    8.94    0.76    9.76    0.83

35    8.00    0.68    8.47      0.72    9.06    0.77   10.00    0.85
36    8.35    0.71    8.94      0.76    9.41    0.80   10.59    0.90
37    8.82    0.75    9.29      0.79    9.76    0.83   11.18    0.95
38    9.18    0.78    9.65      0.82   10.24    0.87   11.76    1.00
39    9.65    0.82   10.12      0.86   10.59    0.90   12.35    1.05
10 YEAR TERM


40   $10.00   $0.85   $10.47     $0.89   $11.06   $0.94   $13.06   $1.11
41    10.35    0.88    11.06      0.94    11.65    0.99    13.65    1.16
42    10.82    0.92    11.65      0.99    12.24    1.04    14.35    1.22
43    11.18    0.95    12.35      1.05    12.82    1.09    15.06    1.28
44    11.65    0.99    12.94      1.10    13.41    1.14    15.76    1.34

45    12.00    1.02    13.53      1.15   14.00     1.19    16.47   1.40
46    12.59    1.07    14.24      1.21   14.59     1.24    17.06   1.45
47    13.18    1.12    14.94      1.27   15.18     1.29    17.65   1.50
48    13.76    1.17    15.65      1.33   15.76     1.34    18.35   1.56
49    14.35    1.22    16.35      1.39   16.35     1.39    18.94   1.61

50    15.06    1.28    17.06      1.45   17.06     1.45    19.53   1.66
51    16.00    1.36    18.24      1.55   18.24     1.55    21.06   1.79
52    17.06    1.45    19.41      1.65   19.41     1.65    22.47   1.91
53    18.00    1.53    20.59      1.75   20.59     1.75    24.00   2.04
54    19.06    1.62    21.76      1.85   21.76     1.85    25.53   2.17

55    20.00    1.70    23.06      1.96   23.06     1.96    27.06   2.30
56    20.82    1.77    23.65      2.01   24.24     2.06    28.35   2.41
57    21.65    1.84    24.24      2.06   25.41     2.16    29.76   2.53
58    22.35    1.90    24.82      2.11   26.59     2.26    31.18   2.65
59    23.18    1.97    25.41      2.16   27.76     2.36    32.59   2.77

60    24.00    2.04    26.00      2.21   29.06     2.47    34.00   2.89
61    25.65    2.18    27.65      2.35   31.65     2.69    36.82   3.13
62    27.41    2.33    29.18      2.48   34.24     2.91    39.65   3.37
63    29.06    2.47    30.82      2.62   36.82     3.13    42.35   3.60
64    30.82    2.62    32.35      2.75   39.41     3.35    45.18   3.84

65    32.47    2.76    34.00      2.89   42.00     3.57    48.00   4.08
66    35.76    3.04    37.18      3.16   46.82     3.98    53.06   4.51
67    39.06    3.32    40.35      3.43   51.65     4.39    58.00   4.93
68    42.35    3.60    43.65      3.71   56.35     4.79    63.06   5.36
69    45.65    3.88    46.82      3.98   61.18     5.20    68.00   5.78

70    49.06    4.17    50.00      4.25   66.00     5.61    73.06   6.21
3 YEAR MODIFIED DEATH BENEFIT 15 PAY


 0   $28.00    $2.38          $35.06     $2.98
 1    28.24     2.40           35.29      3.00
 2    28.47     2.42           35.65      3.03
 3    28.59     2.43           36.00      3.06
 4    28.82     2.45           36.35      3.09

 5    29.06     2.47           36.71      3.12
 6    29.29     2.49           37.06      3.15
 7    29.41     2.50           37.41      3.18
 8    29.65     2.52           37.76      3.21
 9    29.88     2.54           38.12      3.24

10    30.12     2.56           38.47      3.27
11    30.35     2.58           38.82      3.30
12    30.47     2.59           39.18      3.33
13    30.71     2.61           39.53      3.36
14    30.94     2.63           39.88      3.39

15    31.18     2.65           40.24      3.42
16    31.41     2.67           40.59      3.45
17    31.53     2.68           40.94      3.48
18    31.76     2.70           41.29      3.51
19    32.00     2.72           41.65      3.54

20    32.24     2.74           42.00      3.57
21    33.18     2.82           42.47      3.61
22    34.47     2.93           43.65      3.71
23    35.88     3.05           44.71      3.80
24    37.29     3.17           45.76      3.89

25    38.59     3.28           46.94      3.99
26    39.76     3.38           47.65      4.05
27    41.29     3.51           48.94      4.16
28    42.94     3.65           50.35      4.28
29    44.59     3.79           51.65      4.39

30    46.24     3.93           53.06      4.51
31    47.65     4.05           54.35      4.62
32    49.88     4.24           56.59      4.81
33    52.00     4.42           58.71      4.99
34    54.12     4.60           60.82      5.17

35    56.24     4.78           62.94      5.35
36    59.76     5.08           66.00      5.61
37    64.12     5.45           70.00      5.95
38    68.47     5.82           73.88      6.28
39    72.82     6.19           77.88      6.62
2 YEAR MODIFIED DEATH BENEFIT 15 PAY


40   $77.18    $6.56          $81.88     $6.96
41    78.12     6.64           83.18      7.07
42    78.35     6.66           85.76      7.29
43    79.53     6.76           88.35      7.51
44    80.71     6.86           91.06      7.74
45    81.88     6.96           93.65      7.96
46    84.59     7.19           95.18      8.09
47    87.18     7.41           96.71      8.22
48    89.65     7.62           98.24      8.35
49    92.00     7.82           99.53      8.46
50    94.24     8.01          100.82      8.57
51    94.35     8.02          101.41      8.62
52    94.47     8.03          102.00      8.67
53    94.59     8.04          102.47      8.71
54    94.71     8.05          103.06      8.76
55    94.82     8.06          103.53      8.80
56    94.94     8.07          104.71      8.90
57    95.06     8.08          105.76      8.99
58    95.18     8.09          106.82      9.08
59    95.29     8.10          107.88      9.17
60    95.41     8.11          108.94      9.26
61    96.94     8.24          111.65      9.49
62    99.53     8.46          114.47      9.73
63   101.41     8.62          117.18      9.96
64   103.65     8.81          119.88     10.19
65   105.88     9.00          122.59     10.42
66   109.76     9.33          126.24     10.73
67   113.65     9.66          131.65     11.19
68   117.41     9.98          136.12     11.57
69   121.18    10.30          140.47     11.94
70   124.94    10.62          144.94     12.32
71   127.41    10.83          149.65     12.72
72   129.76    11.03          154.35     13.12
73   132.12    11.23          158.94     13.51
74   134.47    11.43          163.53     13.90
75   136.82    11.63          168.12     14.29
76   143.53    12.20          179.88     15.29
77   150.12    12.76          191.65     16.29
78   156.71    13.32          203.18     17.27
79   163.06    13.86          214.71     18.25
80   177.53    15.09          226.00     19.21
81   184.47    15.68          230.35     19.58
82   191.53    16.28          234.82     19.96
83   198.59    16.88          239.18     20.33
84   205.53    17.47          243.65     20.71
85   212.59    18.07          248.00     21.08
66 year old female who qualified for final expense non-tobacco rates wants a
$10,000 policy with 3 units of AD&D on PAC.




72 year old male who qualified for final expense non-tobacco rates wants a
$5,000 policy with 1 unit of AD&D to be paid semi-annually.
Standard rate guide
Standard rate guide
Standard rate guide

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Standard rate guide

  • 1. LIFE INSURANCE COMPANY Spanish HP RATES 11/08
  • 3. FINAL EXPENSE Must answer “no” to all questions in Section 6 and 7 Must answer “yes” to question 8a TWENTY PAY Must answer “no” to all questions in Section 6 and 7 Must answer “yes” to question 8a PREFERRED WHOLE LIFE Separate rates for non-tobacco/tobacco users Ages 0 to 70 0-50 $100,000 Minimum face: $10,000 51-60 $50,000 Must answer “no” to all questions in Section 6 and 7a 61-70 $30,000 Must answer “yes” to question 7b Prescription drug check Phone interview and/or APS Insured must be owner, spouse of owner or minor child of owner If face amount is $20,000 or more, signature of adult insured is required Insured’s social security number required 10 YEAR LEVEL TERM Renewable to age 70 and convertible to age 80 Separate rates for non-tobacco/tobacco users 0-50 $100,000 Ages 0 to 70 51-60 $50,000 Minimum face: $10,000 61-70 $30,000 Must answer “no” to all questions in Section 6 and 7a Must answer “yes” to question 7b Prescription drug check Phone interview and/or APS Insured must be owner, spouse of owner or minor child of owner If face amount is $20,000 or more, signature of adult insured is required Insured’s social security number required Mississippi Only Ages 0-60 Renewable to age 60 and convertible to age 70 *Only if insured is owner, spouse of owner or minor child of owner.
  • 4. 3 YEAR MODIFIED DEATH BENEFIT 15 PAY Ages 0 to 39 Minimum face is whatever $15 per month will buy 0-39 $15,000 Must answer “no” to all questions in Section 6 Must answer “yes” to question 8a Death Benefit 1st Year - return of premiums paid plus 10% 2nd Year - return of premiums paid plus 20% 3rd Year - return of premiums paid plus 30% Thereafter - full benefit This plan is not available in AR, MA, MN, MT, NJ or NV 2 YEAR MODIFIED DEATH BENEFIT 15 PAY Ages 40 to 85 Minimum face is whatever $15 per month will buy 40-85 $15,000 Must answer “no” to all questions in Section 6 Must answer “yes” to question 8a Death Benefit 1st Year - return of premiums paid plus 10% 2nd Year - return of premiums paid plus 20% Thereafter - full benefit New Jersey Only Ages 40-82 for females Ages 40-79 for males FOR ALL: Use insured’s age as of sign date Policy fee (charged once per family) See additional face amount limits and signature guidelines on page 6.
  • 5. The owner of the insurance policy may purchase a child rider on his/her child, stepchild or grandchild who has not reached his or her 19th birthday at the time of the application. Each unit insures one child for $5,000 level term to age 25. A maximum of 5 units may be purchased per child. Children that are 18 (15 in FL) need to sign the application. If insuring multiple children, each child needs to have an equal number of units. Child rider applicants can qualify for the rider only if they are able to answer “no” to all health questions on the application and “yes” to the residency question. 15/20 Pay Plans All Other Plans * Maximum of 8 units *Not available in CT/NE
  • 6. AD&D RATES 15/20 Pay Plans All Other Plans Ages Annual PAC Annual PAC 0-70 17.65 1.50 11.76 1.00 1 Unit 71-75 23.53 2.00 17.65 1.50 76-80 29.41 2.50 23.53 2.00 81-85 32.36 2.75 26.47 2.25 0-70 35.30 3.00 23.53 2.00 2 Units 71-75 47.06 4.00 35.30 3.00 76-80 58.82 5.00 47.06 4.00 81-85 64.72 5.50 52.94 4.50 0-70 52.95 4.50 35.28 3.00 3 Units 71-75 70.59 6.00 52.95 4.50 76-80 88.23 7.50 70.59 6.00 81-85 97.08 8.25 79.41 6.75 0-70 70.60 6.00 47.04 4.00 4 Units 71-75 94.12 8.00 70.60 6.00 76-80 117.64 10.00 94.12 8.00 81-85 129.44 11.00 105.88 9.00 0-70 88.25 7.50 58.80 5.00 5 Units 71-75 117.65 10.00 88.25 7.50 76-80 147.05 12.50 117.65 10.00 81-85 161.80 13.75 132.35 11.25 0-70 105.90 9.00 70.56 6.00 6 Units 71-75 141.18 12.00 105.90 9.00 76-80 176.46 15.00 141.18 12.00 81-85 194.16 16.50 158.82 13.50 0-70 123.55 10.50 82.32 7.00 7 Units 71-75 164.71 14.00 123.55 10.50 76-80 205.87 17.50 164.71 14.00 81-85 226.52 19.25 185.29 15.75 0-70 141.20 12.00 94.08 8.00 8 Units 71-75 188.24 16.00 141.20 12.00 76-80 235.28 20.00 188.24 16.00 81-85 258.88 22.00 211.76 18.00
  • 7. An existing policy form is required if the insured has existing life insurance coverage in the following states, even if they are not replacing the business: AL, AK, AR, AZ, CO, HI, IA, KY, LA, MD, ME, MS, MT, NC, NH, NJ, NM, OH, OR, RI, SC, TX, UT, VA, VT, WI and WV Final Expense* Verify which, if any, significant health condition(s) the insured has by answering all of the questions listed in Section 7 on the application. in Section 6 are answered “no”. Preferred/Term* If the insureds answer “yes” to anything in Section 6, or question 7a, they are not eligible for Preferred or Term, but may be eligible for Final Expense coverage. Newborns may be insured 30 days from the date of birth provided all health questions in Section 6 are answered “no”. *See additional state requirements on page 6. We can only issue policies to insureds permanently residing in the United States. We do not insure foreign citizens temporarily in the United States. 6. A phone interview is attempted on each application. If you wish, you can have this interview done while in your insured’s home. After you have completed the application, please call our In-House Verification number at 800-218-5657. This is available during business hours. 7. Please visit our website for other helpful hints including faxing of applications. Go to the FAQ’s tab on www.lhlicagents.com/agents/
  • 8. MAXIMUM FACE AMOUNTS PER RELATIONSHIP The maximum face amount applies to the total amount of coverage an insured has between all in force policies. All adult insureds must sign the application. $15,000 Maximum Final Expense Face Amount Parents insuring their children ages 18-21 Grandparents/great grandparents insuring grandchildren UNDER the age of 18 Children insuring their parents/in-laws 60 years and OVER The following are third party relationships and require a phone interview with the insured. $10,000 Maximum Final Expense Face Amount Parents or in-laws insuring their children OVER age 21 Adult children insuring either parents or in-laws that are UNDER the age of 60 Grandparents/great grandparents insuring grandchildren OVER the age of 18 Adult grandchildren insuring grandparents Anyone insuring their niece, nephew, uncle, aunt, cousin, sister or brother STATE SPECIFIC SIGNATURE GUIDELINES AK/AR/DE/HI/ID/KY/LA/MD/ME/MO/MT/NE/NM/NV/OR/SD/VA/WA/WI/WY: Unless insuring a spouse*, all proposed adult insureds must sign the application. (*Spouse’s signature still required for Preferred/Term applications $20,000 or more.) CA/CO/CT/DC/GA/IA/IL/IN/KS/MA/MS/ND/NH/NJ/OH/RI/SC/TN/TX/VT: In a parent-child relationship, if the adult insured is not available to sign or complete a consent call (if living in a different city), the policy can still be written, but only as a Modified Death Benefit. AL/AZ/OK/UT/WV: Signatures can be waived for parents insuring children (and vice-versa) living in different cities and parent-child Modified applications as long as we are able to conduct a phone interview with the insured. FL/NC: All proposed insureds must sign the application if age 15 and over. MI/PA: All proposed insureds must sign the application if age 18 and over. 1. We advance daily on checking account business if the initial premium is paid with a preprinted check from the account we are to draft. 2. We advance on checking account business when we draft the first premium and a preprinted voided check accompanies the application. The advance will be paid four business days after the first draft is processed. 3. We advance on post-dated CWA checks the first business day after the check is deposited. 4. We advance a maximum per household, payor, owner or insured. 5. Commission will be paid as earned on checking account business where the first premium is paid by money order or agent’s check. 6. We advance when insureds are not family members and an agent has no influence on the policy.
  • 9. 0 $9.29 $0.79 $9.29 $0.79 $10.35 $0.88 $10.35 $0.88 1 9.53 0.81 9.53 0.81 10.71 0.91 10.71 0.91 2 9.76 0.83 9.76 0.83 11.06 0.94 11.06 0.94 3 10.12 0.86 10.12 0.86 11.41 0.97 11.41 0.97 4 10.47 0.89 10.47 0.89 11.88 1.01 11.88 1.01 5 10.82 0.92 10.82 0.92 12.35 1.05 12.35 1.05 6 11.18 0.95 11.18 0.95 12.94 1.10 12.94 1.10 7 11.53 0.98 11.53 0.98 13.41 1.14 13.41 1.14 8 12.00 1.02 12.00 1.02 14.00 1.19 14.00 1.19 9 12.47 1.06 12.47 1.06 14.71 1.25 14.71 1.25 10 12.94 1.10 12.94 1.10 15.29 1.30 15.29 1.30 11 13.41 1.14 13.76 1.17 16.00 1.36 16.47 1.40 12 13.88 1.18 14.71 1.25 16.71 1.42 17.65 1.50 13 14.47 1.23 15.53 1.32 17.41 1.48 18.94 1.61 14 15.06 1.28 16.35 1.39 18.24 1.55 20.12 1.71 15 15.41 1.31 17.29 1.47 18.94 1.61 21.29 1.81 16 16.00 1.36 18.12 1.54 19.76 1.68 22.47 1.91 17 16.47 1.40 18.94 1.61 20.47 1.74 23.65 2.01 18 16.94 1.44 19.88 1.69 21.29 1.81 24.94 2.12 19 17.53 1.49 20.71 1.76 22.00 1.87 26.12 2.22 20 18.00 1.53 21.65 1.84 22.71 1.93 27.29 2.32 21 18.35 1.56 22.00 1.87 23.29 1.98 27.76 2.36 22 18.71 1.59 22.35 1.90 23.76 2.02 28.35 2.41 23 19.06 1.62 22.71 1.93 24.35 2.07 28.82 2.45 24 19.41 1.65 23.06 1.96 24.82 2.11 29.41 2.50 25 19.76 1.68 23.41 1.99 25.29 2.15 29.88 2.54 26 20.12 1.71 23.88 2.03 25.88 2.20 30.59 2.60 27 20.47 1.74 24.35 2.07 26.35 2.24 31.18 2.65 28 20.82 1.77 24.82 2.11 26.94 2.29 31.88 2.71 29 21.29 1.81 25.29 2.15 27.41 2.33 32.47 2.76 30 21.65 1.84 25.76 2.19 28.00 2.38 33.18 2.82 31 21.88 1.86 26.12 2.22 28.12 2.39 33.29 2.83 32 22.00 1.87 26.35 2.24 28.24 2.40 33.41 2.84 33 22.24 1.89 26.59 2.26 28.35 2.41 33.53 2.85 34 22.35 1.90 26.71 2.27 28.47 2.42 33.65 2.86 35 22.59 1.92 26.94 2.29 28.59 2.43 33.76 2.87 36 22.71 1.93 27.18 2.31 28.71 2.44 34.00 2.89 37 22.82 1.94 27.41 2.33 28.82 2.45 34.24 2.91 38 22.94 1.95 27.65 2.35 28.94 2.46 34.35 2.92 39 23.06 1.96 27.88 2.37 29.06 2.47 34.59 2.94 40 23.18 1.97 28.00 2.38 29.18 2.48 34.82 2.96 41 23.88 2.03 28.94 2.46 29.41 2.50 35.06 2.98 42 24.71 2.10 29.76 2.53 30.35 2.58 36.00 3.06 43 25.41 2.16 30.71 2.61 31.18 2.65 37.06 3.15 44 26.24 2.23 31.65 2.69 32.12 2.73 38.00 3.23 45 27.06 2.30 32.47 2.76 33.06 2.81 39.06 3.32
  • 10. 46 $28.00 $2.38 $33.65 $2.86 $34.35 $2.92 $40.59 $3.45 47 29.06 2.47 34.71 2.95 35.65 3.03 42.24 3.59 48 30.00 2.55 35.76 3.04 36.94 3.14 43.76 3.72 49 31.06 2.64 36.94 3.14 38.24 3.25 45.41 3.86 50 32.00 2.72 38.00 3.23 39.53 3.36 47.06 4.00 51 33.41 2.84 39.41 3.35 41.41 3.52 49.18 4.18 52 34.82 2.96 40.82 3.47 43.29 3.68 51.41 4.37 53 36.24 3.08 42.24 3.59 45.18 3.84 53.65 4.56 54 37.65 3.20 43.65 3.71 47.06 4.00 55.76 4.74 55 39.06 3.32 45.06 3.83 49.06 4.17 58.00 4.93 56 40.59 3.45 46.35 3.94 51.06 4.34 60.35 5.13 57 42.24 3.59 47.76 4.06 53.18 4.52 62.82 5.34 58 43.76 3.72 49.18 4.18 55.29 4.70 65.18 5.54 59 45.41 3.86 50.59 4.30 57.41 4.88 67.65 5.75 60 47.06 4.00 52.00 4.42 59.53 5.06 70.00 5.95 61 49.76 4.23 55.18 4.69 62.24 5.29 73.18 6.22 62 52.59 4.47 58.35 4.96 64.94 5.52 76.35 6.49 63 55.41 4.71 61.65 5.24 67.65 5.75 79.65 6.77 64 58.24 4.95 64.82 5.51 70.35 5.98 82.82 7.04 65 61.06 5.19 68.00 5.78 73.06 6.21 86.00 7.31 66 65.06 5.53 72.35 6.15 77.06 6.55 90.35 7.68 67 69.06 5.87 76.82 6.53 81.18 6.90 94.82 8.06 68 73.06 6.21 81.18 6.90 85.29 7.25 99.18 8.43 69 77.06 6.55 85.65 7.28 89.41 7.60 103.65 8.81 70 81.06 6.89 90.00 7.65 93.53 7.95 108.00 9.18 71 86.82 7.38 96.82 8.23 101.76 8.65 116.35 9.89 72 92.59 7.87 103.65 8.81 110.12 9.36 124.82 10.61 73 98.35 8.36 110.35 9.38 118.35 10.06 133.18 11.32 74 104.24 8.86 117.18 9.96 126.71 10.77 141.65 12.04 75 110.00 9.35 124.00 10.54 135.06 11.48 150.00 12.75 76 121.41 10.32 133.88 11.38 150.35 12.78 163.76 13.92 77 132.82 11.29 143.76 12.22 165.76 14.09 177.65 15.10 78 144.24 12.26 153.53 13.05 181.18 15.40 191.41 16.27 79 155.65 13.23 163.41 13.89 196.59 16.71 205.18 17.44 80 167.06 14.20 173.29 14.73 212.00 18.02 219.06 18.62 81 173.29 14.73 179.76 15.28 216.12 18.37 223.29 18.98 82 179.53 15.26 186.12 15.82 220.35 18.73 227.53 19.34 83 185.76 15.79 192.59 16.37 224.47 19.08 231.88 19.71 84 192.00 16.32 199.06 16.92 228.71 19.44 236.12 20.07 85 198.24 16.85 205.41 17.46 232.82 19.79 240.47 20.44
  • 11. 0 $13.88 $1.18 $13.88 $1.18 $16.94 $1.44 $16.94 $1.44 1 14.12 1.20 14.12 1.20 17.29 1.47 17.29 1.47 2 14.35 1.22 14.35 1.22 17.53 1.49 17.53 1.49 3 14.59 1.24 14.59 1.24 17.88 1.52 17.88 1.52 4 14.82 1.26 14.82 1.26 18.24 1.55 18.24 1.55 5 15.18 1.29 15.18 1.29 18.59 1.58 18.59 1.58 6 15.41 1.31 15.41 1.31 18.94 1.61 18.94 1.61 7 15.76 1.34 15.76 1.34 19.41 1.65 19.41 1.65 8 16.24 1.38 16.24 1.38 19.88 1.69 19.88 1.69 9 16.59 1.41 16.59 1.41 20.35 1.73 20.35 1.73 10 17.06 1.45 17.06 1.45 20.82 1.77 20.82 1.77 11 17.41 1.48 17.41 1.48 23.06 1.96 23.06 1.96 12 20.35 1.73 20.35 1.73 25.29 2.15 25.29 2.15 13 22.00 1.87 22.00 1.87 27.53 2.34 27.53 2.34 14 23.65 2.01 23.65 2.01 29.65 2.52 29.65 2.52 15 25.29 2.15 25.29 2.15 31.88 2.71 31.88 2.71 16 26.24 2.23 26.94 2.29 32.82 2.79 34.12 2.90 17 27.06 2.30 28.59 2.43 34.47 2.93 36.24 3.08 18 27.29 2.32 30.24 2.57 34.82 2.96 38.47 3.27 19 27.65 2.35 31.88 2.71 35.06 2.98 40.71 3.46 20 27.88 2.37 33.65 2.86 35.76 3.04 42.94 3.65 21 28.59 2.43 34.24 2.91 36.24 3.08 43.41 3.69 22 29.18 2.48 34.82 2.96 36.94 3.14 43.88 3.73 23 29.76 2.53 35.41 3.01 37.41 3.18 44.47 3.78 24 30.35 2.58 36.00 3.06 38.00 3.23 44.94 3.82 25 30.94 2.63 36.59 3.11 38.59 3.28 45.53 3.87 26 31.41 2.67 37.18 3.16 39.18 3.33 46.12 3.92 27 31.76 2.70 37.76 3.21 39.65 3.37 46.82 3.98 28 32.24 2.74 38.35 3.26 40.00 3.40 47.41 4.03 29 32.71 2.78 39.06 3.32 40.59 3.45 48.12 4.09 30 33.18 2.82 39.65 3.37 41.06 3.49 48.71 4.14 31 33.29 2.83 39.76 3.38 41.41 3.52 48.82 4.15 32 33.41 2.84 39.88 3.39 41.53 3.53 48.94 4.16 33 33.53 2.85 40.00 3.40 41.65 3.54 49.06 4.17 34 33.65 2.86 40.12 3.41 41.76 3.55 49.18 4.18 35 33.76 2.87 40.24 3.42 41.88 3.56 49.29 4.19 36 33.88 2.88 40.35 3.43 42.00 3.57 49.41 4.20 37 34.00 2.89 40.47 3.44 42.12 3.58 49.53 4.21 38 34.12 2.90 40.59 3.45 42.24 3.59 49.65 4.22 39 34.24 2.91 40.71 3.46 42.35 3.60 49.76 4.23
  • 12. 40 $34.35 $2.92 $40.82 $3.47 $42.47 $3.61 $49.88 $4.24 41 34.47 2.93 40.94 3.48 42.59 3.62 50.00 4.25 42 34.59 2.94 41.29 3.51 42.71 3.63 50.12 4.26 43 34.94 2.97 42.24 3.59 42.82 3.64 50.24 4.27 44 35.65 3.03 43.06 3.66 42.94 3.65 50.35 4.28 45 36.59 3.11 44.00 3.74 43.06 3.66 50.47 4.29 46 37.53 3.19 45.06 3.83 43.41 3.69 51.41 4.37 47 38.35 3.26 46.00 3.91 44.47 3.78 52.82 4.49 48 39.41 3.35 47.06 4.00 45.65 3.88 54.24 4.61 49 40.35 3.43 48.00 4.08 46.82 3.98 55.65 4.73 50 41.29 3.51 49.06 4.17 47.88 4.07 57.06 4.85 51 42.82 3.64 50.47 4.29 49.65 4.22 58.94 5.01 52 44.35 3.77 52.00 4.42 51.18 4.35 60.82 5.17 53 45.88 3.90 53.53 4.55 52.94 4.50 62.71 5.33 54 47.41 4.03 55.06 4.68 54.47 4.63 64.59 5.49 55 49.06 4.17 56.47 4.80 56.24 4.78 66.47 5.65 56 50.71 4.31 57.88 4.92 58.00 4.93 68.47 5.82 57 52.35 4.45 59.29 5.04 59.65 5.07 70.47 5.99 58 54.00 4.59 60.71 5.16 61.53 5.23 72.47 6.16 59 55.65 4.73 62.12 5.28 63.29 5.38 74.47 6.33 60 57.41 4.88 63.53 5.40 65.06 5.53 76.47 6.50 61 59.76 5.08 66.35 5.64 67.29 5.72 79.18 6.73 62 62.24 5.29 69.06 5.87 69.65 5.92 81.88 6.96 63 64.71 5.50 71.88 6.11 71.76 6.10 84.59 7.19 64 67.06 5.70 74.71 6.35 74.12 6.30 87.29 7.42 65 69.53 5.91 77.53 6.59 76.35 6.49 90.00 7.65 66 73.53 6.25 81.88 6.96 80.47 6.84 94.35 8.02 67 77.53 6.59 86.35 7.34 84.59 7.19 98.82 8.40 68 81.53 6.93 90.71 7.71 88.71 7.54 103.18 8.77 69 85.53 7.27 95.06 8.08 92.94 7.90 107.65 9.15 70 89.65 7.62 99.53 8.46 97.06 8.25 112.00 9.52 71 95.06 8.08 106.12 9.02 106.35 9.04 121.65 10.34 72 100.71 8.56 112.71 9.58 115.65 9.83 131.18 11.15 73 106.35 9.04 119.29 10.14 122.00 10.37 140.82 11.97 74 111.88 9.51 125.88 10.70 134.59 11.44 150.35 12.78 75 117.53 9.99 132.47 11.26 144.00 12.24 160.00 13.60 76 127.29 10.82 143.06 12.16 157.65 13.40 175.65 14.93 77 137.41 11.68 153.53 13.05 171.18 14.55 191.18 16.25 78 147.29 12.52 164.00 13.94 184.82 15.71 206.82 17.58 79 157.06 13.35 169.06 14.37 198.35 16.86 212.35 18.05 80 167.06 14.20 173.29 14.73 212.00 18.02 219.06 18.62
  • 13. PREFERRED WHOLE LIFE 0 $7.88 $0.67 $7.88 $0.67 $9.06 $0.77 $9.06 $0.77 1 8.12 0.69 8.12 0.69 9.41 0.80 9.41 0.80 2 8.35 0.71 8.35 0.71 9.65 0.82 9.65 0.82 3 8.59 0.73 8.59 0.73 9.88 0.84 9.88 0.84 4 8.82 0.75 8.82 0.75 10.12 0.86 10.12 0.86 5 9.06 0.77 9.06 0.77 10.35 0.88 10.35 0.88 6 9.18 0.78 9.18 0.78 10.71 0.91 10.71 0.91 7 9.29 0.79 9.29 0.79 10.94 0.93 10.94 0.93 8 9.41 0.80 9.41 0.80 11.18 0.95 11.18 0.95 9 9.53 0.81 9.53 0.81 11.41 0.97 11.41 0.97 10 9.65 0.82 9.65 0.82 11.65 0.99 11.65 0.99 11 9.76 0.83 10.12 0.86 12.00 1.02 12.35 1.05 12 9.88 0.84 10.35 0.88 12.24 1.04 13.06 1.11 13 10.00 0.85 10.59 0.90 12.47 1.06 13.53 1.15 14 10.12 0.86 10.82 0.92 12.71 1.08 14.00 1.19 15 10.24 0.87 11.06 0.94 13.06 1.11 14.59 1.24 16 10.35 0.88 11.29 0.96 13.29 1.13 15.06 1.28 17 10.47 0.89 11.41 0.97 13.53 1.15 15.29 1.30 18 10.59 0.90 11.65 0.99 13.76 1.17 15.88 1.35 19 10.71 0.91 11.76 1.00 14.00 1.19 16.35 1.39 20 10.82 0.92 12.00 1.02 14.35 1.22 16.94 1.44 21 11.53 0.98 12.71 1.08 14.82 1.26 17.41 1.48 22 12.24 1.04 13.41 1.14 15.29 1.30 17.88 1.52 23 12.94 1.10 14.12 1.20 15.88 1.35 18.47 1.57 24 13.65 1.16 14.82 1.26 16.35 1.39 18.94 1.61 25 14.35 1.22 15.65 1.33 16.94 1.44 19.53 1.66 26 14.82 1.26 16.12 1.37 17.41 1.48 20.00 1.70 27 15.41 1.31 16.59 1.41 17.88 1.52 20.59 1.75 28 15.88 1.35 17.06 1.45 18.47 1.57 21.06 1.79 29 16.35 1.39 17.53 1.49 18.94 1.61 21.53 1.83 30 16.82 1.43 18.00 1.53 19.53 1.66 22.12 1.88 31 16.94 1.44 18.12 1.54 19.65 1.67 22.35 1.90 32 17.18 1.46 18.35 1.56 19.76 1.68 22.59 1.92 33 17.29 1.47 18.47 1.57 19.88 1.69 22.71 1.93 34 17.41 1.49 18.59 1.58 20.00 1.70 23.06 1.96 35 17.65 1.50 18.71 1.59 20.12 1.71 23.29 1.98 36 17.76 1.51 19.18 1.63 20.24 1.72 23.53 2.00 37 17.88 1.52 19.76 1.68 20.35 1.73 24.00 2.04 38 18.00 1.53 20.12 1.71 20.47 1.74 24.35 2.07 39 18.12 1.54 20.59 1.75 20.59 1.75 24.71 2.10
  • 14. PREFERRED WHOLE LIFE 40 $18.24 $1.55 $21.06 $1.79 $20.71 $1.76 $25.06 $2.13 41 18.59 1.58 22.00 1.87 21.06 1.79 26.35 2.24 42 19.18 1.63 23.06 1.96 22.00 1.87 27.76 2.36 43 19.76 1.68 24.00 2.04 23.06 1.96 29.18 2.48 44 20.35 1.73 25.06 2.13 24.00 2.04 30.59 2.60 45 21.06 1.79 26.00 2.21 25.06 2.13 32.00 2.72 46 21.76 1.85 27.06 2.30 26.35 2.24 33.65 2.86 47 22.59 1.92 28.00 2.38 27.76 2.36 35.18 2.99 48 23.41 1.99 29.06 2.47 29.18 2.48 36.82 3.13 49 24.24 2.06 30.00 2.55 30.59 2.60 38.35 3.26 50 25.06 2.13 31.06 2.64 32.00 2.72 40.00 3.40 51 26.35 2.24 32.35 2.75 34.00 2.89 42.59 3.62 52 27.76 2.36 33.76 2.87 36.00 3.06 45.18 3.84 53 29.18 2.48 35.18 2.99 38.00 3.23 47.76 4.06 54 30.59 2.60 36.59 3.11 40.00 3.40 50.35 4.28 55 32.00 2.72 38.00 3.23 42.00 3.57 53.06 4.51 56 33.65 2.86 39.41 3.35 44.00 3.74 54.59 4.64 57 35.18 2.99 40.82 3.47 46.00 3.91 56.24 4.78 58 36.82 3.13 42.24 3.59 48.00 4.08 57.76 4.91 59 38.35 3.26 43.65 3.71 50.00 4.25 59.41 5.05 60 40.00 3.40 45.06 3.83 52.00 4.42 61.06 5.19 61 42.00 3.57 47.41 4.03 55.06 4.68 64.35 5.47 62 44.00 3.74 49.76 4.23 58.00 4.93 67.76 5.76 63 46.00 3.91 52.24 4.44 61.06 5.19 71.18 6.05 64 48.00 4.08 54.59 4.64 64.00 5.44 74.59 6.34 65 50.00 4.25 57.06 4.85 67.06 5.70 78.00 6.63 66 54.00 4.59 60.82 5.17 72.00 6.12 83.18 7.07 67 58.00 4.93 64.59 5.49 77.06 6.55 88.35 7.51 68 62.00 5.27 68.35 5.81 82.00 6.97 93.65 7.96 69 66.00 5.61 72.24 6.14 87.06 7.40 98.82 8.40 70 70.00 5.95 76.00 6.46 92.00 7.82 104.00 8.84
  • 15. 10 YEAR TERM 0 $5.06 $0.43 $5.06 $0.43 $7.29 $0.62 $7.29 $0.62 1 5.06 0.43 5.06 0.43 7.29 0.62 7.29 0.62 2 5.06 0.43 5.06 0.43 7.29 0.62 7.29 0.62 3 5.06 0.43 5.06 0.43 7.29 0.62 7.29 0.62 4 5.06 0.43 5.06 0.43 7.29 0.62 7.29 0.62 5 5.06 0.43 5.06 0.43 7.29 0.62 7.29 0.62 6 5.06 0.43 5.06 0.43 7.41 0.63 7.41 0.63 7 5.18 0.44 5.18 0.44 7.41 0.63 7.41 0.63 8 5.18 0.44 5.18 0.44 7.41 0.63 7.41 0.63 9 5.18 0.44 5.18 0.44 7.41 0.63 7.41 0.63 10 5.18 0.44 5.18 0.44 7.41 0.63 7.41 0.63 11 5.18 0.44 5.18 0.44 7.41 0.63 7.41 0.63 12 5.18 0.44 5.29 0.45 7.41 0.63 7.53 0.64 13 5.18 0.44 5.29 0.45 7.41 0.63 7.53 0.64 14 5.18 0.44 5.29 0.45 7.41 0.63 7.65 0.65 15 5.18 0.44 5.41 0.46 7.41 0.63 7.65 0.65 16 5.18 0.44 5.53 0.47 7.41 0.63 7.65 0.65 17 5.18 0.44 5.65 0.48 7.41 0.63 7.76 0.66 18 5.18 0.44 5.65 0.48 7.53 0.64 7.76 0.66 19 5.29 0.45 5.88 0.50 7.53 0.64 7.88 0.67 20 5.29 0.45 6.00 0.51 7.53 0.64 8.00 0.68 21 5.29 0.45 6.12 0.52 7.65 0.65 8.12 0.69 22 5.29 0.45 6.24 0.53 7.65 0.65 8.24 0.70 23 5.41 0.46 6.35 0.54 7.76 0.66 8.35 0.71 24 5.41 0.46 6.35 0.54 7.88 0.67 8.35 0.71 25 5.53 0.47 6.47 0.55 8.00 0.68 8.47 0.72 26 5.65 0.48 6.59 0.56 8.12 0.69 8.59 0.73 27 5.65 0.48 6.71 0.57 8.24 0.70 8.71 0.74 28 5.76 0.49 6.82 0.58 8.35 0.71 8.82 0.75 29 5.88 0.50 6.94 0.59 8.35 0.71 8.94 0.76 30 6.00 0.51 7.06 0.60 8.47 0.72 9.06 0.77 31 6.35 0.54 7.29 0.62 8.59 0.73 9.18 0.78 32 6.82 0.58 7.65 0.65 8.71 0.74 9.41 0.80 33 7.18 0.61 7.88 0.67 8.82 0.75 9.65 0.82 34 7.65 0.65 8.24 0.70 8.94 0.76 9.76 0.83 35 8.00 0.68 8.47 0.72 9.06 0.77 10.00 0.85 36 8.35 0.71 8.94 0.76 9.41 0.80 10.59 0.90 37 8.82 0.75 9.29 0.79 9.76 0.83 11.18 0.95 38 9.18 0.78 9.65 0.82 10.24 0.87 11.76 1.00 39 9.65 0.82 10.12 0.86 10.59 0.90 12.35 1.05
  • 16. 10 YEAR TERM 40 $10.00 $0.85 $10.47 $0.89 $11.06 $0.94 $13.06 $1.11 41 10.35 0.88 11.06 0.94 11.65 0.99 13.65 1.16 42 10.82 0.92 11.65 0.99 12.24 1.04 14.35 1.22 43 11.18 0.95 12.35 1.05 12.82 1.09 15.06 1.28 44 11.65 0.99 12.94 1.10 13.41 1.14 15.76 1.34 45 12.00 1.02 13.53 1.15 14.00 1.19 16.47 1.40 46 12.59 1.07 14.24 1.21 14.59 1.24 17.06 1.45 47 13.18 1.12 14.94 1.27 15.18 1.29 17.65 1.50 48 13.76 1.17 15.65 1.33 15.76 1.34 18.35 1.56 49 14.35 1.22 16.35 1.39 16.35 1.39 18.94 1.61 50 15.06 1.28 17.06 1.45 17.06 1.45 19.53 1.66 51 16.00 1.36 18.24 1.55 18.24 1.55 21.06 1.79 52 17.06 1.45 19.41 1.65 19.41 1.65 22.47 1.91 53 18.00 1.53 20.59 1.75 20.59 1.75 24.00 2.04 54 19.06 1.62 21.76 1.85 21.76 1.85 25.53 2.17 55 20.00 1.70 23.06 1.96 23.06 1.96 27.06 2.30 56 20.82 1.77 23.65 2.01 24.24 2.06 28.35 2.41 57 21.65 1.84 24.24 2.06 25.41 2.16 29.76 2.53 58 22.35 1.90 24.82 2.11 26.59 2.26 31.18 2.65 59 23.18 1.97 25.41 2.16 27.76 2.36 32.59 2.77 60 24.00 2.04 26.00 2.21 29.06 2.47 34.00 2.89 61 25.65 2.18 27.65 2.35 31.65 2.69 36.82 3.13 62 27.41 2.33 29.18 2.48 34.24 2.91 39.65 3.37 63 29.06 2.47 30.82 2.62 36.82 3.13 42.35 3.60 64 30.82 2.62 32.35 2.75 39.41 3.35 45.18 3.84 65 32.47 2.76 34.00 2.89 42.00 3.57 48.00 4.08 66 35.76 3.04 37.18 3.16 46.82 3.98 53.06 4.51 67 39.06 3.32 40.35 3.43 51.65 4.39 58.00 4.93 68 42.35 3.60 43.65 3.71 56.35 4.79 63.06 5.36 69 45.65 3.88 46.82 3.98 61.18 5.20 68.00 5.78 70 49.06 4.17 50.00 4.25 66.00 5.61 73.06 6.21
  • 17. 3 YEAR MODIFIED DEATH BENEFIT 15 PAY 0 $28.00 $2.38 $35.06 $2.98 1 28.24 2.40 35.29 3.00 2 28.47 2.42 35.65 3.03 3 28.59 2.43 36.00 3.06 4 28.82 2.45 36.35 3.09 5 29.06 2.47 36.71 3.12 6 29.29 2.49 37.06 3.15 7 29.41 2.50 37.41 3.18 8 29.65 2.52 37.76 3.21 9 29.88 2.54 38.12 3.24 10 30.12 2.56 38.47 3.27 11 30.35 2.58 38.82 3.30 12 30.47 2.59 39.18 3.33 13 30.71 2.61 39.53 3.36 14 30.94 2.63 39.88 3.39 15 31.18 2.65 40.24 3.42 16 31.41 2.67 40.59 3.45 17 31.53 2.68 40.94 3.48 18 31.76 2.70 41.29 3.51 19 32.00 2.72 41.65 3.54 20 32.24 2.74 42.00 3.57 21 33.18 2.82 42.47 3.61 22 34.47 2.93 43.65 3.71 23 35.88 3.05 44.71 3.80 24 37.29 3.17 45.76 3.89 25 38.59 3.28 46.94 3.99 26 39.76 3.38 47.65 4.05 27 41.29 3.51 48.94 4.16 28 42.94 3.65 50.35 4.28 29 44.59 3.79 51.65 4.39 30 46.24 3.93 53.06 4.51 31 47.65 4.05 54.35 4.62 32 49.88 4.24 56.59 4.81 33 52.00 4.42 58.71 4.99 34 54.12 4.60 60.82 5.17 35 56.24 4.78 62.94 5.35 36 59.76 5.08 66.00 5.61 37 64.12 5.45 70.00 5.95 38 68.47 5.82 73.88 6.28 39 72.82 6.19 77.88 6.62
  • 18. 2 YEAR MODIFIED DEATH BENEFIT 15 PAY 40 $77.18 $6.56 $81.88 $6.96 41 78.12 6.64 83.18 7.07 42 78.35 6.66 85.76 7.29 43 79.53 6.76 88.35 7.51 44 80.71 6.86 91.06 7.74 45 81.88 6.96 93.65 7.96 46 84.59 7.19 95.18 8.09 47 87.18 7.41 96.71 8.22 48 89.65 7.62 98.24 8.35 49 92.00 7.82 99.53 8.46 50 94.24 8.01 100.82 8.57 51 94.35 8.02 101.41 8.62 52 94.47 8.03 102.00 8.67 53 94.59 8.04 102.47 8.71 54 94.71 8.05 103.06 8.76 55 94.82 8.06 103.53 8.80 56 94.94 8.07 104.71 8.90 57 95.06 8.08 105.76 8.99 58 95.18 8.09 106.82 9.08 59 95.29 8.10 107.88 9.17 60 95.41 8.11 108.94 9.26 61 96.94 8.24 111.65 9.49 62 99.53 8.46 114.47 9.73 63 101.41 8.62 117.18 9.96 64 103.65 8.81 119.88 10.19 65 105.88 9.00 122.59 10.42 66 109.76 9.33 126.24 10.73 67 113.65 9.66 131.65 11.19 68 117.41 9.98 136.12 11.57 69 121.18 10.30 140.47 11.94 70 124.94 10.62 144.94 12.32 71 127.41 10.83 149.65 12.72 72 129.76 11.03 154.35 13.12 73 132.12 11.23 158.94 13.51 74 134.47 11.43 163.53 13.90 75 136.82 11.63 168.12 14.29 76 143.53 12.20 179.88 15.29 77 150.12 12.76 191.65 16.29 78 156.71 13.32 203.18 17.27 79 163.06 13.86 214.71 18.25 80 177.53 15.09 226.00 19.21 81 184.47 15.68 230.35 19.58 82 191.53 16.28 234.82 19.96 83 198.59 16.88 239.18 20.33 84 205.53 17.47 243.65 20.71 85 212.59 18.07 248.00 21.08
  • 19. 66 year old female who qualified for final expense non-tobacco rates wants a $10,000 policy with 3 units of AD&D on PAC. 72 year old male who qualified for final expense non-tobacco rates wants a $5,000 policy with 1 unit of AD&D to be paid semi-annually.