STANDARD BENEFITS

Coverage
Coverage amounts can range from $100,000 to $5,000,000.

Best Doctors
If you are diagnosed with a serious medical condition, Best DoctorsTM provides a free list of the best medical specialists in your area, country, or throughout the world. These medical specialists work with local medical staff to better diagnose and treat your medical condition. The services of the Best DoctorsTM professionals are not necessarily free, depending upon provincial and national health insurance plans. But adequate critical illness and life insurance plans will provide much needed cash to pay for the best treatment that money can buy. Best Doctors™ has a worldwide database of over 50,000 doctors recognized by their peers as the top specialists in their fields of expertise. This benefit is included at no extra cost.

Cash Value
Anytime after you turn 65, you can cancel your policy and receive back a significant percentage of your base premium payments. This benefit is included at no extra cost.

Policy Loan
After you turn 65, you may borrow money from the insurance company if you have made all of your premium payments. The insurance company sets the loan value and the interest rate. This benefit is included at no extra cost.

Extended Insurance Benefit
In the event you are unable to pay a premium payment and you have had the policy for at least 2 years, your coverage amount (less the outstanding premium and interest due) remains in effect for 1 year from the date the first unpaid premium was due. Anytime during this 1-year period, you can make your back premium payment(s) and bring your policy up to date without new medical information. Policies without this benefit would lapse and require current medical information before the policy is reinstated. The Extended Insurance Benefit can be used 3 times before you turn 65. This benefit is included at no extra cost.

OPTIONAL FEATURES

Accidental Death Benefit
If you die by accidental means and your payments are up to date, your coverage amount is doubled. For example, if your initial coverage amount is $100,000 and you die in an accident, your beneficiary will receive a total of $200,000. This option is available for those 18 to 45. Premiums for this option will not increase. This benefit ends when you turn 70.

Child Term Rider
If you purchase the Plusterm 65 Guaranteed plan, you can also purchase $10,000 to $20,000 in coverage for your children. This option is available for children 0 to 16 years. The benefit ends when the child turns 25, or when you turn 65, whichever occurs first. When this benefit does expire, the child may convert the coverage to a term or permanent life insurance plan worth up to 5 times the Child Term rider amount.

Disability Waiver
With this benefit, if you become completely and continuously disabled for more than 6 months, your premiums will be paid until you are no longer completely disabled. This benefit ends when you turn 70. This option is available for those 18 to 45.

PAYMENTS

Premium payments may be made annually, semi-annually, or monthly through automatic banking. The annual policy fee is $50. A multiple-policy discount applies to those policies having the same issue and billing date.