PARTICIPATING WHOLE LIFE
 PLAN
DESCRIPTION
A level death benefit, level premium, participating, cash value whole
life policy.
POLICY SIZE-BANDING
Minimum policy size is $5,000 with four premium bands:
Band 1 - $5,000 - $9,999
Band 2 - $10,000 - $24,999
Band 3 - $25,000 - $99,999
Band 4 - $100,000 and above
ISSUE AGES
Ages 0 to 80, as of last birthday.
PREMIUMS
Premiums are designed to be level and payable for the life of the
insured. The rates for basic coverage are guaranteed for life of the
policy. The company cannot raise or lower the base policy premium after
the contract is issued and in force.
POLICY FEE
None.
DIVIDEND OPTIONS
Dividends will be credited to the contract as specified by the owner
in the application. Dividends options available are:
| Option 1 - Paid Up Additions |
Option 2 - Cash |
| Option 3 - Reduce Premium |
Option 4 - Accumulate with Interest |
PREMIUM CLASS
Non-smoker and smoker. Substandard premiums are offered by the Home
Office when appropriate for the risk.
PREMIUM MODE FACTORS
Premiums can be paid annually, semi-annually, quarterly, monthly coupon, or monthly bank draft.
BENEFITS AVAILABLE
Waiver of Premium, Accidental Death, Decreasing Term Rider (Self &
Spouse), 10-Year Term Rider (Self & Spouse), Children's Term Rider
and Guaranteed Insurability.
If you would like to speak to someone personally, you can call 1-800-392-2202
to find the agent(s) in your area of Texas.
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