STANDARD BENEFITS

Coverage
Your initial coverage can range from $50,000 to $2,000,000. The Renaissance plan is very different than most other life insurance plans because this plan can receive dividends from Unity Life. These dividends are used to increase the amount of coverage. These dividend rates are guaranteed by Unity Life for the first 5 years of your policy. After the first 5 years, dividend rates may vary. Therefore, your coverage amount should increase with the financial success of Unity Life. Should the dividends not be enough to maintain the initial coverage amount, you have the option of purchasing 1-year term insurance, with no medical questions, to maintain the your coverage amount.

Dividends
Dividends are declared at the end of each policy year and are used by Unity Life to increase your coverage amount. Dividend rates are guaranteed for the first five years of the policy.

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 DoctorsTM 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.

Joint Lives
The Plus Option II is available on a single life, Joint First-to-Die, and Joint Last-to-Die basis. "Joint First-to-Die," means that 2 people can share one policy and that when one of the policyholders die, the survivor receives the coverage amount. "Joint Last-to-Die," means that 2 people can share one policy and that when both of the policyholders have died, the chosen beneficiary receives the coverage amount.

Cash Value
After the 4th policy year, you can cancel your policy and receive a lump-sum payment based on your base premium payments. The cash amount will increase each year, based upon dividend amounts and any paid-up additions you may have purchased. 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 60. Premiums for this option will not increase. This benefit ends when you turn 70.

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 65. This option is available for those 18 to 55.

Child Term Rider
If you purchase the Life Option 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.

PAYMENTS

Premium payments may be made annually, semi-annually, or monthly through automatic banking. The annual policy fee is $100 and additional policies have an annual fee of $50.