Universal Life

Issue Ages: Employee: 18-79; Spouse: 18-64, Child: 15 days-25

Guaranteed Issue: Employee: $150,000, Spouse: $15,000, Child:

Product Highlights

• Designed to last through age 120
• Accumulates cash value
• Current 4.75% / Guaranteed 2% interest rate
• Loan and withdrawal options
• Includes waiver of monthly premium rider
• Includes Accelerated death benefit for Terminal Illness rider