This policy offers a modified death benefit as follows:
During the first 3 years: If death occurs as a result of an accident, the death benefit is 100% of the policy face amount. The non-accidental death benefit is equal to a refund of all premiums paid to date plus 10% compounded.
During the 4th year, the death benefit is 100%; followed by 105% in the 5th year; and 110% in the 6th year and thereafter.
| Issue Ages: | 40 to 80 (Age of Last Birthday) | |
| Premiums: | Nicotine/Non-Nicotine | |
| Minimum Policy: | $1,000.00 | |
| Maximum Policy: | $20,000.00 | |
| Policy Fee: | $50.00 annual | |
| Minimum Modal Premium: | $15.00 | |
| Underwriting: | Posti Paperless App MIB and RX/Check |
|
| Premium Factors: | Annual (1st year)- Annual X .80 | |
| Annual (2nd year & thereafter) - Annual X 1.00 | ||
| Semi-Annual - Annual X .51 | ||
| Quarterly - Annual X .265 | ||
| Monthly (PAC or DE) - Annual X .0925 | ||
| Round all fractions up to the nearest cent. |