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Lincoln Heritage Rate Guide

Lincoln Heritage Rate Guide

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Standard rate guide Standard rate guide Document Transcript

  • LIFE INSURANCE COMPANY SpanishHP RATES 11/08
  • FINAL EXPENSE Must answer “no” to all questions in Section 6 and 7 Must answer “yes” to question 8aTWENTY PAY Must answer “no” to all questions in Section 6 and 7 Must answer “yes” to question 8aPREFERRED 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 required10 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 NV2 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 malesFOR 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 orgrandchild 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 bepurchased per child. Children that are 18 (15 in FL) need to sign the application. If insuringmultiple 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 healthquestions 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 1.001 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 2.002 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 3.003 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 4.004 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 5.005 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 6.006 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 7.007 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 8.008 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 thefollowing 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 brotherSTATE 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 1.2510 12.94 1.10 12.94 1.10 15.29 1.30 15.29 1.3011 13.41 1.14 13.76 1.17 16.00 1.36 16.47 1.4012 13.88 1.18 14.71 1.25 16.71 1.42 17.65 1.5013 14.47 1.23 15.53 1.32 17.41 1.48 18.94 1.6114 15.06 1.28 16.35 1.39 18.24 1.55 20.12 1.7115 15.41 1.31 17.29 1.47 18.94 1.61 21.29 1.8116 16.00 1.36 18.12 1.54 19.76 1.68 22.47 1.9117 16.47 1.40 18.94 1.61 20.47 1.74 23.65 2.0118 16.94 1.44 19.88 1.69 21.29 1.81 24.94 2.1219 17.53 1.49 20.71 1.76 22.00 1.87 26.12 2.2220 18.00 1.53 21.65 1.84 22.71 1.93 27.29 2.3221 18.35 1.56 22.00 1.87 23.29 1.98 27.76 2.3622 18.71 1.59 22.35 1.90 23.76 2.02 28.35 2.4123 19.06 1.62 22.71 1.93 24.35 2.07 28.82 2.4524 19.41 1.65 23.06 1.96 24.82 2.11 29.41 2.5025 19.76 1.68 23.41 1.99 25.29 2.15 29.88 2.5426 20.12 1.71 23.88 2.03 25.88 2.20 30.59 2.6027 20.47 1.74 24.35 2.07 26.35 2.24 31.18 2.6528 20.82 1.77 24.82 2.11 26.94 2.29 31.88 2.7129 21.29 1.81 25.29 2.15 27.41 2.33 32.47 2.7630 21.65 1.84 25.76 2.19 28.00 2.38 33.18 2.8231 21.88 1.86 26.12 2.22 28.12 2.39 33.29 2.8332 22.00 1.87 26.35 2.24 28.24 2.40 33.41 2.8433 22.24 1.89 26.59 2.26 28.35 2.41 33.53 2.8534 22.35 1.90 26.71 2.27 28.47 2.42 33.65 2.8635 22.59 1.92 26.94 2.29 28.59 2.43 33.76 2.8736 22.71 1.93 27.18 2.31 28.71 2.44 34.00 2.8937 22.82 1.94 27.41 2.33 28.82 2.45 34.24 2.9138 22.94 1.95 27.65 2.35 28.94 2.46 34.35 2.9239 23.06 1.96 27.88 2.37 29.06 2.47 34.59 2.9440 23.18 1.97 28.00 2.38 29.18 2.48 34.82 2.9641 23.88 2.03 28.94 2.46 29.41 2.50 35.06 2.9842 24.71 2.10 29.76 2.53 30.35 2.58 36.00 3.0643 25.41 2.16 30.71 2.61 31.18 2.65 37.06 3.1544 26.24 2.23 31.65 2.69 32.12 2.73 38.00 3.2345 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 $3.4547 29.06 2.47 34.71 2.95 35.65 3.03 42.24 3.5948 30.00 2.55 35.76 3.04 36.94 3.14 43.76 3.7249 31.06 2.64 36.94 3.14 38.24 3.25 45.41 3.8650 32.00 2.72 38.00 3.23 39.53 3.36 47.06 4.0051 33.41 2.84 39.41 3.35 41.41 3.52 49.18 4.1852 34.82 2.96 40.82 3.47 43.29 3.68 51.41 4.3753 36.24 3.08 42.24 3.59 45.18 3.84 53.65 4.5654 37.65 3.20 43.65 3.71 47.06 4.00 55.76 4.7455 39.06 3.32 45.06 3.83 49.06 4.17 58.00 4.9356 40.59 3.45 46.35 3.94 51.06 4.34 60.35 5.1357 42.24 3.59 47.76 4.06 53.18 4.52 62.82 5.3458 43.76 3.72 49.18 4.18 55.29 4.70 65.18 5.5459 45.41 3.86 50.59 4.30 57.41 4.88 67.65 5.7560 47.06 4.00 52.00 4.42 59.53 5.06 70.00 5.9561 49.76 4.23 55.18 4.69 62.24 5.29 73.18 6.2262 52.59 4.47 58.35 4.96 64.94 5.52 76.35 6.4963 55.41 4.71 61.65 5.24 67.65 5.75 79.65 6.7764 58.24 4.95 64.82 5.51 70.35 5.98 82.82 7.0465 61.06 5.19 68.00 5.78 73.06 6.21 86.00 7.3166 65.06 5.53 72.35 6.15 77.06 6.55 90.35 7.6867 69.06 5.87 76.82 6.53 81.18 6.90 94.82 8.0668 73.06 6.21 81.18 6.90 85.29 7.25 99.18 8.4369 77.06 6.55 85.65 7.28 89.41 7.60 103.65 8.8170 81.06 6.89 90.00 7.65 93.53 7.95 108.00 9.1871 86.82 7.38 96.82 8.23 101.76 8.65 116.35 9.8972 92.59 7.87 103.65 8.81 110.12 9.36 124.82 10.6173 98.35 8.36 110.35 9.38 118.35 10.06 133.18 11.3274 104.24 8.86 117.18 9.96 126.71 10.77 141.65 12.0475 110.00 9.35 124.00 10.54 135.06 11.48 150.00 12.7576 121.41 10.32 133.88 11.38 150.35 12.78 163.76 13.9277 132.82 11.29 143.76 12.22 165.76 14.09 177.65 15.1078 144.24 12.26 153.53 13.05 181.18 15.40 191.41 16.2779 155.65 13.23 163.41 13.89 196.59 16.71 205.18 17.4480 167.06 14.20 173.29 14.73 212.00 18.02 219.06 18.6281 173.29 14.73 179.76 15.28 216.12 18.37 223.29 18.9882 179.53 15.26 186.12 15.82 220.35 18.73 227.53 19.3483 185.76 15.79 192.59 16.37 224.47 19.08 231.88 19.7184 192.00 16.32 199.06 16.92 228.71 19.44 236.12 20.0785 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 1.7310 17.06 1.45 17.06 1.45 20.82 1.77 20.82 1.7711 17.41 1.48 17.41 1.48 23.06 1.96 23.06 1.9612 20.35 1.73 20.35 1.73 25.29 2.15 25.29 2.1513 22.00 1.87 22.00 1.87 27.53 2.34 27.53 2.3414 23.65 2.01 23.65 2.01 29.65 2.52 29.65 2.5215 25.29 2.15 25.29 2.15 31.88 2.71 31.88 2.7116 26.24 2.23 26.94 2.29 32.82 2.79 34.12 2.9017 27.06 2.30 28.59 2.43 34.47 2.93 36.24 3.0818 27.29 2.32 30.24 2.57 34.82 2.96 38.47 3.2719 27.65 2.35 31.88 2.71 35.06 2.98 40.71 3.4620 27.88 2.37 33.65 2.86 35.76 3.04 42.94 3.6521 28.59 2.43 34.24 2.91 36.24 3.08 43.41 3.6922 29.18 2.48 34.82 2.96 36.94 3.14 43.88 3.7323 29.76 2.53 35.41 3.01 37.41 3.18 44.47 3.7824 30.35 2.58 36.00 3.06 38.00 3.23 44.94 3.8225 30.94 2.63 36.59 3.11 38.59 3.28 45.53 3.8726 31.41 2.67 37.18 3.16 39.18 3.33 46.12 3.9227 31.76 2.70 37.76 3.21 39.65 3.37 46.82 3.9828 32.24 2.74 38.35 3.26 40.00 3.40 47.41 4.0329 32.71 2.78 39.06 3.32 40.59 3.45 48.12 4.0930 33.18 2.82 39.65 3.37 41.06 3.49 48.71 4.1431 33.29 2.83 39.76 3.38 41.41 3.52 48.82 4.1532 33.41 2.84 39.88 3.39 41.53 3.53 48.94 4.1633 33.53 2.85 40.00 3.40 41.65 3.54 49.06 4.1734 33.65 2.86 40.12 3.41 41.76 3.55 49.18 4.1835 33.76 2.87 40.24 3.42 41.88 3.56 49.29 4.1936 33.88 2.88 40.35 3.43 42.00 3.57 49.41 4.2037 34.00 2.89 40.47 3.44 42.12 3.58 49.53 4.2138 34.12 2.90 40.59 3.45 42.24 3.59 49.65 4.2239 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 $4.2441 34.47 2.93 40.94 3.48 42.59 3.62 50.00 4.2542 34.59 2.94 41.29 3.51 42.71 3.63 50.12 4.2643 34.94 2.97 42.24 3.59 42.82 3.64 50.24 4.2744 35.65 3.03 43.06 3.66 42.94 3.65 50.35 4.2845 36.59 3.11 44.00 3.74 43.06 3.66 50.47 4.2946 37.53 3.19 45.06 3.83 43.41 3.69 51.41 4.3747 38.35 3.26 46.00 3.91 44.47 3.78 52.82 4.4948 39.41 3.35 47.06 4.00 45.65 3.88 54.24 4.6149 40.35 3.43 48.00 4.08 46.82 3.98 55.65 4.7350 41.29 3.51 49.06 4.17 47.88 4.07 57.06 4.8551 42.82 3.64 50.47 4.29 49.65 4.22 58.94 5.0152 44.35 3.77 52.00 4.42 51.18 4.35 60.82 5.1753 45.88 3.90 53.53 4.55 52.94 4.50 62.71 5.3354 47.41 4.03 55.06 4.68 54.47 4.63 64.59 5.4955 49.06 4.17 56.47 4.80 56.24 4.78 66.47 5.6556 50.71 4.31 57.88 4.92 58.00 4.93 68.47 5.8257 52.35 4.45 59.29 5.04 59.65 5.07 70.47 5.9958 54.00 4.59 60.71 5.16 61.53 5.23 72.47 6.1659 55.65 4.73 62.12 5.28 63.29 5.38 74.47 6.3360 57.41 4.88 63.53 5.40 65.06 5.53 76.47 6.5061 59.76 5.08 66.35 5.64 67.29 5.72 79.18 6.7362 62.24 5.29 69.06 5.87 69.65 5.92 81.88 6.9663 64.71 5.50 71.88 6.11 71.76 6.10 84.59 7.1964 67.06 5.70 74.71 6.35 74.12 6.30 87.29 7.4265 69.53 5.91 77.53 6.59 76.35 6.49 90.00 7.6566 73.53 6.25 81.88 6.96 80.47 6.84 94.35 8.0267 77.53 6.59 86.35 7.34 84.59 7.19 98.82 8.4068 81.53 6.93 90.71 7.71 88.71 7.54 103.18 8.7769 85.53 7.27 95.06 8.08 92.94 7.90 107.65 9.1570 89.65 7.62 99.53 8.46 97.06 8.25 112.00 9.5271 95.06 8.08 106.12 9.02 106.35 9.04 121.65 10.3472 100.71 8.56 112.71 9.58 115.65 9.83 131.18 11.1573 106.35 9.04 119.29 10.14 122.00 10.37 140.82 11.9774 111.88 9.51 125.88 10.70 134.59 11.44 150.35 12.7875 117.53 9.99 132.47 11.26 144.00 12.24 160.00 13.6076 127.29 10.82 143.06 12.16 157.65 13.40 175.65 14.9377 137.41 11.68 153.53 13.05 171.18 14.55 191.18 16.2578 147.29 12.52 164.00 13.94 184.82 15.71 206.82 17.5879 157.06 13.35 169.06 14.37 198.35 16.86 212.35 18.0580 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 0.9710 9.65 0.82 9.65 0.82 11.65 0.99 11.65 0.9911 9.76 0.83 10.12 0.86 12.00 1.02 12.35 1.0512 9.88 0.84 10.35 0.88 12.24 1.04 13.06 1.1113 10.00 0.85 10.59 0.90 12.47 1.06 13.53 1.1514 10.12 0.86 10.82 0.92 12.71 1.08 14.00 1.1915 10.24 0.87 11.06 0.94 13.06 1.11 14.59 1.2416 10.35 0.88 11.29 0.96 13.29 1.13 15.06 1.2817 10.47 0.89 11.41 0.97 13.53 1.15 15.29 1.3018 10.59 0.90 11.65 0.99 13.76 1.17 15.88 1.3519 10.71 0.91 11.76 1.00 14.00 1.19 16.35 1.3920 10.82 0.92 12.00 1.02 14.35 1.22 16.94 1.4421 11.53 0.98 12.71 1.08 14.82 1.26 17.41 1.4822 12.24 1.04 13.41 1.14 15.29 1.30 17.88 1.5223 12.94 1.10 14.12 1.20 15.88 1.35 18.47 1.5724 13.65 1.16 14.82 1.26 16.35 1.39 18.94 1.6125 14.35 1.22 15.65 1.33 16.94 1.44 19.53 1.6626 14.82 1.26 16.12 1.37 17.41 1.48 20.00 1.7027 15.41 1.31 16.59 1.41 17.88 1.52 20.59 1.7528 15.88 1.35 17.06 1.45 18.47 1.57 21.06 1.7929 16.35 1.39 17.53 1.49 18.94 1.61 21.53 1.8330 16.82 1.43 18.00 1.53 19.53 1.66 22.12 1.8831 16.94 1.44 18.12 1.54 19.65 1.67 22.35 1.9032 17.18 1.46 18.35 1.56 19.76 1.68 22.59 1.9233 17.29 1.47 18.47 1.57 19.88 1.69 22.71 1.9334 17.41 1.49 18.59 1.58 20.00 1.70 23.06 1.9635 17.65 1.50 18.71 1.59 20.12 1.71 23.29 1.9836 17.76 1.51 19.18 1.63 20.24 1.72 23.53 2.0037 17.88 1.52 19.76 1.68 20.35 1.73 24.00 2.0438 18.00 1.53 20.12 1.71 20.47 1.74 24.35 2.0739 18.12 1.54 20.59 1.75 20.59 1.75 24.71 2.10
  • PREFERRED WHOLE LIFE40 $18.24 $1.55 $21.06 $1.79 $20.71 $1.76 $25.06 $2.1341 18.59 1.58 22.00 1.87 21.06 1.79 26.35 2.2442 19.18 1.63 23.06 1.96 22.00 1.87 27.76 2.3643 19.76 1.68 24.00 2.04 23.06 1.96 29.18 2.4844 20.35 1.73 25.06 2.13 24.00 2.04 30.59 2.6045 21.06 1.79 26.00 2.21 25.06 2.13 32.00 2.7246 21.76 1.85 27.06 2.30 26.35 2.24 33.65 2.8647 22.59 1.92 28.00 2.38 27.76 2.36 35.18 2.9948 23.41 1.99 29.06 2.47 29.18 2.48 36.82 3.1349 24.24 2.06 30.00 2.55 30.59 2.60 38.35 3.2650 25.06 2.13 31.06 2.64 32.00 2.72 40.00 3.4051 26.35 2.24 32.35 2.75 34.00 2.89 42.59 3.6252 27.76 2.36 33.76 2.87 36.00 3.06 45.18 3.8453 29.18 2.48 35.18 2.99 38.00 3.23 47.76 4.0654 30.59 2.60 36.59 3.11 40.00 3.40 50.35 4.2855 32.00 2.72 38.00 3.23 42.00 3.57 53.06 4.5156 33.65 2.86 39.41 3.35 44.00 3.74 54.59 4.6457 35.18 2.99 40.82 3.47 46.00 3.91 56.24 4.7858 36.82 3.13 42.24 3.59 48.00 4.08 57.76 4.9159 38.35 3.26 43.65 3.71 50.00 4.25 59.41 5.0560 40.00 3.40 45.06 3.83 52.00 4.42 61.06 5.1961 42.00 3.57 47.41 4.03 55.06 4.68 64.35 5.4762 44.00 3.74 49.76 4.23 58.00 4.93 67.76 5.7663 46.00 3.91 52.24 4.44 61.06 5.19 71.18 6.0564 48.00 4.08 54.59 4.64 64.00 5.44 74.59 6.3465 50.00 4.25 57.06 4.85 67.06 5.70 78.00 6.6366 54.00 4.59 60.82 5.17 72.00 6.12 83.18 7.0767 58.00 4.93 64.59 5.49 77.06 6.55 88.35 7.5168 62.00 5.27 68.35 5.81 82.00 6.97 93.65 7.9669 66.00 5.61 72.24 6.14 87.06 7.40 98.82 8.4070 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 0.6310 5.18 0.44 5.18 0.44 7.41 0.63 7.41 0.6311 5.18 0.44 5.18 0.44 7.41 0.63 7.41 0.6312 5.18 0.44 5.29 0.45 7.41 0.63 7.53 0.6413 5.18 0.44 5.29 0.45 7.41 0.63 7.53 0.6414 5.18 0.44 5.29 0.45 7.41 0.63 7.65 0.6515 5.18 0.44 5.41 0.46 7.41 0.63 7.65 0.6516 5.18 0.44 5.53 0.47 7.41 0.63 7.65 0.6517 5.18 0.44 5.65 0.48 7.41 0.63 7.76 0.6618 5.18 0.44 5.65 0.48 7.53 0.64 7.76 0.6619 5.29 0.45 5.88 0.50 7.53 0.64 7.88 0.6720 5.29 0.45 6.00 0.51 7.53 0.64 8.00 0.6821 5.29 0.45 6.12 0.52 7.65 0.65 8.12 0.6922 5.29 0.45 6.24 0.53 7.65 0.65 8.24 0.7023 5.41 0.46 6.35 0.54 7.76 0.66 8.35 0.7124 5.41 0.46 6.35 0.54 7.88 0.67 8.35 0.7125 5.53 0.47 6.47 0.55 8.00 0.68 8.47 0.7226 5.65 0.48 6.59 0.56 8.12 0.69 8.59 0.7327 5.65 0.48 6.71 0.57 8.24 0.70 8.71 0.7428 5.76 0.49 6.82 0.58 8.35 0.71 8.82 0.7529 5.88 0.50 6.94 0.59 8.35 0.71 8.94 0.7630 6.00 0.51 7.06 0.60 8.47 0.72 9.06 0.7731 6.35 0.54 7.29 0.62 8.59 0.73 9.18 0.7832 6.82 0.58 7.65 0.65 8.71 0.74 9.41 0.8033 7.18 0.61 7.88 0.67 8.82 0.75 9.65 0.8234 7.65 0.65 8.24 0.70 8.94 0.76 9.76 0.8335 8.00 0.68 8.47 0.72 9.06 0.77 10.00 0.8536 8.35 0.71 8.94 0.76 9.41 0.80 10.59 0.9037 8.82 0.75 9.29 0.79 9.76 0.83 11.18 0.9538 9.18 0.78 9.65 0.82 10.24 0.87 11.76 1.0039 9.65 0.82 10.12 0.86 10.59 0.90 12.35 1.05
  • 10 YEAR TERM40 $10.00 $0.85 $10.47 $0.89 $11.06 $0.94 $13.06 $1.1141 10.35 0.88 11.06 0.94 11.65 0.99 13.65 1.1642 10.82 0.92 11.65 0.99 12.24 1.04 14.35 1.2243 11.18 0.95 12.35 1.05 12.82 1.09 15.06 1.2844 11.65 0.99 12.94 1.10 13.41 1.14 15.76 1.3445 12.00 1.02 13.53 1.15 14.00 1.19 16.47 1.4046 12.59 1.07 14.24 1.21 14.59 1.24 17.06 1.4547 13.18 1.12 14.94 1.27 15.18 1.29 17.65 1.5048 13.76 1.17 15.65 1.33 15.76 1.34 18.35 1.5649 14.35 1.22 16.35 1.39 16.35 1.39 18.94 1.6150 15.06 1.28 17.06 1.45 17.06 1.45 19.53 1.6651 16.00 1.36 18.24 1.55 18.24 1.55 21.06 1.7952 17.06 1.45 19.41 1.65 19.41 1.65 22.47 1.9153 18.00 1.53 20.59 1.75 20.59 1.75 24.00 2.0454 19.06 1.62 21.76 1.85 21.76 1.85 25.53 2.1755 20.00 1.70 23.06 1.96 23.06 1.96 27.06 2.3056 20.82 1.77 23.65 2.01 24.24 2.06 28.35 2.4157 21.65 1.84 24.24 2.06 25.41 2.16 29.76 2.5358 22.35 1.90 24.82 2.11 26.59 2.26 31.18 2.6559 23.18 1.97 25.41 2.16 27.76 2.36 32.59 2.7760 24.00 2.04 26.00 2.21 29.06 2.47 34.00 2.8961 25.65 2.18 27.65 2.35 31.65 2.69 36.82 3.1362 27.41 2.33 29.18 2.48 34.24 2.91 39.65 3.3763 29.06 2.47 30.82 2.62 36.82 3.13 42.35 3.6064 30.82 2.62 32.35 2.75 39.41 3.35 45.18 3.8465 32.47 2.76 34.00 2.89 42.00 3.57 48.00 4.0866 35.76 3.04 37.18 3.16 46.82 3.98 53.06 4.5167 39.06 3.32 40.35 3.43 51.65 4.39 58.00 4.9368 42.35 3.60 43.65 3.71 56.35 4.79 63.06 5.3669 45.65 3.88 46.82 3.98 61.18 5.20 68.00 5.7870 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 3.2410 30.12 2.56 38.47 3.2711 30.35 2.58 38.82 3.3012 30.47 2.59 39.18 3.3313 30.71 2.61 39.53 3.3614 30.94 2.63 39.88 3.3915 31.18 2.65 40.24 3.4216 31.41 2.67 40.59 3.4517 31.53 2.68 40.94 3.4818 31.76 2.70 41.29 3.5119 32.00 2.72 41.65 3.5420 32.24 2.74 42.00 3.5721 33.18 2.82 42.47 3.6122 34.47 2.93 43.65 3.7123 35.88 3.05 44.71 3.8024 37.29 3.17 45.76 3.8925 38.59 3.28 46.94 3.9926 39.76 3.38 47.65 4.0527 41.29 3.51 48.94 4.1628 42.94 3.65 50.35 4.2829 44.59 3.79 51.65 4.3930 46.24 3.93 53.06 4.5131 47.65 4.05 54.35 4.6232 49.88 4.24 56.59 4.8133 52.00 4.42 58.71 4.9934 54.12 4.60 60.82 5.1735 56.24 4.78 62.94 5.3536 59.76 5.08 66.00 5.6137 64.12 5.45 70.00 5.9538 68.47 5.82 73.88 6.2839 72.82 6.19 77.88 6.62
  • 2 YEAR MODIFIED DEATH BENEFIT 15 PAY40 $77.18 $6.56 $81.88 $6.9641 78.12 6.64 83.18 7.0742 78.35 6.66 85.76 7.2943 79.53 6.76 88.35 7.5144 80.71 6.86 91.06 7.7445 81.88 6.96 93.65 7.9646 84.59 7.19 95.18 8.0947 87.18 7.41 96.71 8.2248 89.65 7.62 98.24 8.3549 92.00 7.82 99.53 8.4650 94.24 8.01 100.82 8.5751 94.35 8.02 101.41 8.6252 94.47 8.03 102.00 8.6753 94.59 8.04 102.47 8.7154 94.71 8.05 103.06 8.7655 94.82 8.06 103.53 8.8056 94.94 8.07 104.71 8.9057 95.06 8.08 105.76 8.9958 95.18 8.09 106.82 9.0859 95.29 8.10 107.88 9.1760 95.41 8.11 108.94 9.2661 96.94 8.24 111.65 9.4962 99.53 8.46 114.47 9.7363 101.41 8.62 117.18 9.9664 103.65 8.81 119.88 10.1965 105.88 9.00 122.59 10.4266 109.76 9.33 126.24 10.7367 113.65 9.66 131.65 11.1968 117.41 9.98 136.12 11.5769 121.18 10.30 140.47 11.9470 124.94 10.62 144.94 12.3271 127.41 10.83 149.65 12.7272 129.76 11.03 154.35 13.1273 132.12 11.23 158.94 13.5174 134.47 11.43 163.53 13.9075 136.82 11.63 168.12 14.2976 143.53 12.20 179.88 15.2977 150.12 12.76 191.65 16.2978 156.71 13.32 203.18 17.2779 163.06 13.86 214.71 18.2580 177.53 15.09 226.00 19.2181 184.47 15.68 230.35 19.5882 191.53 16.28 234.82 19.9683 198.59 16.88 239.18 20.3384 205.53 17.47 243.65 20.7185 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.