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Special insurance
carriers for impaired-
risk cases and smokers.*

* Cigar smokers, tobacco
chewers, and occassional
smokers can pass as
non-smokers.


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Examples of Rates*
Term Life Insurance
$250K/ 20 Years Level
Age Male Female
35 $13.34 $12.47
40 $17.72 $15.53
45 $29.97 $23.84
50 $47.25 $33.03
Monthly Rates.*See note

Return of Premium
$250K/ 20 Years Level
Age Male Female
35 $34.78 $29.31
40 $42.88 $42.88
45 $73.30 $62.44
50 $111.77 $89.39
Learn more about it

Universal Life Insurance
$250K/ Gtd. till age 100!
Age Male Female
35 $112.50 $89.58
40 $137.81 $114.41
45 $169.53 139.34
50 $209.25 176.41
*Note: Premiums are based
on actual date of birth at 
Preferred Plus Non-smoker
monthly rates.
Rates are higher for other
underwriting classifications.
Rates are subject to change,
state availability, and issue
limitations.
Current as of March 15, 2008.




















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