Cashback Life Flipbook

Page 1

cashback life insurance


Protection and return of premium:

The best of both worlds!

What is Cashback Life?

Return

of

Premium


Protection and return of premium:

The best of both worlds!

“I am more concerned with the return of my money than the return on my money.” — Mark Twain

Cashback Life 20 and 30 address both of Mark Twain’s concerns ...

“Return of my money” and “Return on my money”


Protection and return of premium:

The best of both worlds!

Cashback Life 20 and 30 offer an excellent alternative to traditional term life insurance.


Protection and return of premium:

The best of both worlds!

What is traditional term life insurance? •

Simplest form of life insurance

Lowest cost life insurance

Provides coverage for a specified period of time – i.e., 10, 15, 20 or 30 years

No Return of Premium!


Protection and return of premium:

The best of both worlds!

What happens at the end of the policy’s term period? You have two choices: •

Cancel the policy

Pay the prohibitively expensive renewal premiums


Protection and return of premium:

The best of both worlds!

How is Cashback Life different? At the end of the Cashback Life policy’s term period you have four choices: •

Pay the prohibitively expensive renewal premiums*

Cancel the policy and receive 100 percent of the premiums** paid – a “return of your money”

Apply for a guaranteed reduced paid-up policy*

Apply for an extended term policy which will carry the original death benefit for a guaranteed period of time*

*Cashback Life series may not be available in all states and not all states may have the same version. **Excludes riders and substandard premiums.


Protection and return of premium:

The best of both worlds!

How Cashback Life works ... Death Benefit

money

All your money is returned!* m

miu e Pre v i t a l

u

Cum

t ime

*Excludes riders and substandard premiums.

h Cas

e

u Val

20 or 30 years


Protection and return of premium:

The best of both worlds!

Which type of life insurance protection is best for you? It depends on how long you plan on keeping the coverage in force. •

When comparing ongoing premium payments of the two types of life insurance policies, there will be a year in which the total net cost of the Cashback Life becomes less than the total net cost of a traditional term policy.

This is referred to as the “Crossover Point.”


Protection and return of premium:

The best of both worlds!

How the “Crossover Point” works ... •

Male Age 30 Standard Nontobacco $250,000

Premiums

– Level 20 Term: $32 monthly premium – Cashback Life 20: $66.87 monthly premium

Level 20

Age

Year

Premium Outlay

31 32 33 34 41 42 43 44

1 2 3 4 11 12 13 14

384 384 384 384 384 384 384 384

Cashback Life 20

Total Net Cost 384 768 1,152 1,536 condensed 4,224 4,608 4,992 5,376

for

Premium Outlay

Cash Value

Total Net Cost

802.44 802.44 802.44 802.44 example 802.44 802.44 802.44 802.44

0 0 0 500 4,415.00 5,537.50 6,580.00 7,705.00

802.44 1,604.88 2,407.32 2,709.76 4,411.84 4,091.78 3,851.72 3,529.16

In this example, if the insured plans on keeping the coverage in force for 12 years or longer – his total net cost is less with the Cashback Life 20. *The crossover point may be shorter or longer based on age, gender and rate class.

Crossover Point*


Protection and return of premium:

The best of both worlds!

What if ... Could you do better buying the lower cost term and saving the difference?

Perhaps ... Let’s look at the 30-year-old male again.

$250,000 Life Insurance

Level 20 Term Insurance

Cashback Life 20

$32 monthly premium

$66.87 monthly premium

Difference = $34.87

If still living in 20 years, receive $0.

If still living in 20 years, receive $16,050 tax-free.

Assuming a 30% tax bracket this equates to a 8.37 percent return*.

*The before tax return may be higher or lower based on age, gender and rate class.


Protection and return of premium:

The best of both worlds!

Can you access the policy’s cash value before the end of the 20 or 30 years? Yes. You can borrow funds from the Cashback Life 20 or 30 policy in the event of an emergency cash need such as making a mortgage payment.*

*If available, loans reduce the Cashback Life’s death benefit and cash value available for use.


Protection and return of premium:

The best of both worlds!

Do you have options other than taking the money?

Yes. The Cashback Life 20 and 30 offer two nonforfeiture options.


Protection and return of premium:

The best of both worlds!

Paid-Up Insurance Nonforfeiture Option

Male Age 30 Standard Nontobacco $250,000 Cashback Life 20 $66.87 Monthly Premium Table of Guaranteed Values

End of Policy Year

Cash or Loan Value

Paid-Up Insurance

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

$0 $0 $0 $500 $500 $642.50 $1,285.00 $2,087.50 $2,727.50 $3,370.00 $4,415.00 $5,537.50 $6,580.00 $7,705.00 $8,987.50 $10,272.50 $11,717.50 $13,160.00 $14,605.00 $16,050.00

$0 $0 $0 $3,750 $3,500 $4,250 $8,250 $12,750 $16,000 $18,750 $23,750 $28,500 $32,250 $36,250 $40,750 $44,500 $48,750 $52,750 $56,250 $59,250

Not all states will have the same version of the Cashback Life series.


Protection and return of premium:

The best of both worlds!

Extended Term Insurance Nonforfeiture Option

Male Age 30 Standard Nontobacco $250,000 Cashback Life 20 $66.87 Monthly Premium Table of Guaranteed Values

End of Policy Year

Cash or Loan Value

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

$0 $0 $0 $500 $500 $642.50 $1,285.00 $2,087.50 $2,727.50 $3,370.00 $4,415.00 $5,537.50 $6,580.00 $7,705.00 $8,987.50 $10,272.50 $11,717.50 $13,160.00 $14,605.00 $16,050.00

Extended Term Insurance Years Days 0 0 0 1 1 2 4 6 7 8 9 10 11 12 13 13 13 14 14 14

Not all states will have the same version of the Cashback Life series.

0 0 0 349 321 107 97 92 122 54 227 345 288 166 30 196 363 96 133 121


Protection and return of premium:

The best of both worlds!

What Cashback Life 20 and 30 can offer you ... Both a return of your money, as well as an excellent return on your money!

Mark Twain would be pleased!

Questions?


Protection and return of premium:

The best of both worlds!

Cashback Life 20 and 30 Rates Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Issue Age Restrictions

Minimum Issue Limits

Cashback Life 20

Cashback Life 20

• PENT, PNT, SNT

• PT, ST

20-60 20-55

Cashback Life 30 • PENT, PNT, SNT, PT 20-50

• PENT, PNT, SNT

– Issue ages 20-49 – Issue ages 50+

• SNT, ST

– All issue ages

• Male ST 50,000 - $99,999 20-43

Cashback Life 30

Age near birthday calculation

– Issue ages 20-50

• All other ST

20-45

• PENT, PNT, SNT • SNT, ST

KEY

– All issue ages PENT Preferred Elite Nontobacco PNT Preferred Nontobacco SNT Standard Nontobacco

PT ST

Preferred Tobacco Standard Tobacco

For Agent Use Only

$100,000 $50,000 $50,000

$100,000 $50,000


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Male $50,000 - $99,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

SNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

– – – – – – – – – – – – – – – – – – – – –

– – – – – – – – – – – – – – – – – – – – –

4.42 4.59 4.79 4.99 5.19 5.39 5.53 5.67 5.82 5.97 6.12 6.28 6.44 6.61 6.78 6.95 7.25 7.55 7.86 8.16 8.46

– – – – – – – – – – – – – – – – – – – – –

5.45 5.71 6.00 6.31 6.69 7.11 7.44 7.78 8.14 8.52 8.92 9.33 9.76 10.21 10.69 11.18 12.07 13.03 14.06 15.18 16.39

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

– – – – – – – – – 7.96 8.97 10.12 11.41 12.86 14.50 15.96 17.56 19.32 21.26 23.52

– – – – – – – – – 9.56 10.66 11.89 13.26 14.79 16.50 18.18 20.02 22.05 24.29 26.76

8.76 – 9.07 – 9.46 – 9.87 – 10.30 – 10.98 – 11.70 – 12.47 – 13.30 – 14.17 18.48 15.11 20.62 16.10 23.02 17.16 25.69 18.29 28.67 19.50 32.00 21.48 23.66 26.07 28.71 31.63

Sample Quote

Male Age 40 SNT $75,000 Specified Amount Age Near Birthday

$ 634.50 $ 317.25 $ 158.62 $ 52.87

Annually (8.46 x 75) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

PT

ST 17.69 19.10 20.62 22.26 24.03 24.80 25.60 26.43 27.28 28.16 29.07 30.00 30.97 31.97 33.00

See female rates on reverse.


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Female $50,000 - $99,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

– – – – – – – – – – – – – – – – – – – – –

– – – – – – – – – – – – – – – – – – – – –

3.98 4.21 4.46 4.73 5.00 5.30 5.44 5.59 5.74 5.89 6.05 6.21 6.37 6.55 6.72 6.90 7.17 7.45 7.74 8.05 8.36

– – – – – – – – – – – – – – – – – – – – –

4.37 4.75 5.17 5.62 6.11 6.65 6.80 6.95 7.11 7.27 7.43 7.60 7.77 7.94 8.12 8.30 8.97 9.70 10.48 11.33 12.24

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

– – – – – – – – – 6.32 7.10 7.97 8.96 10.06 11.30 12.38 13.57 14.88 16.30 17.87

– – – – – – – – – 8.02 8.80 9.65 10.59 11.62 12.75 13.90 15.15 16.51 17.99 19.61

Sample Quote

Female Age 40 SNT $75,000 Specified Amount Age Near Birthday

$ 627.00 $ 313.50 $ 156.75 $ 52.24

Annually (8.36 x 75) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

SNT

PT

8.69 – 9.02 – 9.38 – 9.75 – 10.14 – 10.53 – 10.93 – 11.35 – 11.78 – 12.23 14.62 12.70 16.40 13.19 18.41 13.69 20.65 14.22 23.17 14.76 26.00 15.91 17.16 18.50 19.94 21.50

ST 13.23 14.30 15.46 16.71 18.06 18.87 19.72 20.60 21.52 22.49 23.50 24.55 25.65 26.80 28.00


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Male $100,000 - $149,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

SNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

2.48 2.51 2.56 2.61 2.68 2.75 2.80 2.85 2.90 2.96 3.01 3.07 3.12 3.18 3.24 3.30 3.37 3.43 3.58 3.72 3.84

2.91 2.93 2.95 2.98 3.01 3.05 3.10 3.15 3.20 3.26 3.32 3.38 3.46 3.55 3.65 3.75 3.96 4.18 4.39 4.61 4.82

3.64 3.66 3.68 3.71 3.73 3.75 3.81 3.88 3.96 4.05 4.15 4.26 4.38 4.52 4.71 4.95 5.23 5.52 5.81 6.12 6.44

4.09 4.32 4.55 4.79 5.02 5.25 5.45 5.64 5.81 5.96 6.09 6.20 6.32 6.45 6.59 6.75 7.21 7.71 8.24 8.80 9.40

4.91 5.12 5.37 5.62 5.94 6.30 6.61 6.88 7.10 7.28 7.41 7.55 7.71 7.88 8.06 8.25 8.84 9.48 10.16 10.89 11.67

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

4.04 4.30 4.55 4.85 5.20 5.54 5.91 6.30 6.71 7.15 7.62 8.13 8.66 9.23 9.84 10.82 11.90 13.08 14.38 15.81

5.03 5.25 5.46 5.90 6.38 6.85 7.34 7.88 8.46 9.07 9.73 10.44 11.21 12.02 12.90 14.21 15.65 17.24 18.99 20.92

6.77 10.05 7.11 10.74 7.47 11.47 7.88 12.26 8.45 13.10 9.06 13.97 9.70 14.91 10.40 15.90 11.14 16.96 11.94 18.10 12.80 19.31 13.72 20.59 14.70 21.97 15.75 23.44 16.88 25.00 18.59 20.48 22.56 24.86 27.38

Sample Quote

Male Age 38 PNT $125,000 Specified Amount Age Near Birthday

$ 548.75 $ 274.37 $ 137.18 $ 45.72

Annually (4.39 x 125) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

PT

ST 12.50 13.40 14.36 15.40 16.50 17.57 18.72 19.94 21.23 22.62 24.09 25.66 27.33 29.11 31.00

See female rates on reverse.


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Female $100,000 - $149,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

2.06 2.13 2.20 2.27 2.35 2.43 2.50 2.56 2.61 2.65 2.68 2.70 2.75 2.82 2.93 3.06 3.19 3.34 3.42 3.49 3.59

2.63 2.68 2.76 2.84 2.92 3.00 3.05 3.10 3.15 3.21 3.27 3.33 3.38 3.46 3.58 3.70 3.91 4.12 4.33 4.54 4.74

2.88 3.00 3.13 3.27 3.41 3.53 3.62 3.71 3.81 3.92 4.04 4.17 4.31 4.46 4.64 4.90 5.15 5.42 5.70 6.00 6.31

3.20 3.38 3.58 3.79 4.02 4.25 4.44 4.59 4.70 4.77 4.85 4.96 5.09 5.24 5.42 5.65 5.92 6.25 6.59 6.94 7.30

3.46 3.68 3.91 4.15 4.39 4.60 4.78 4.95 5.11 5.27 5.44 5.62 5.81 6.04 6.30 6.60 7.02 7.47 7.95 8.45 8.99

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

3.74 3.85 3.99 4.18 4.40 4.63 4.89 5.21 5.51 5.80 6.10 6.41 6.74 7.17 7.60 8.33 9.13 10.01 10.97 12.02

4.95 5.16 5.40 5.73 6.12 6.47 6.80 7.18 7.59 8.01 8.45 8.96 9.46 9.96 10.48 11.30 12.18 13.14 14.16 15.27

Sample Quote

Female Age 38 PNT $125,000 Specified Amount Age Near Birthday

$ 541.25 $ 270.62 $ 135.31 $ 45.10

Annually (4.33 x 125) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

SNT

PT

6.64 7.67 6.98 8.09 7.35 8.58 7.73 9.18 8.13 9.90 8.61 10.61 9.12 11.38 9.66 12.20 10.24 13.08 10.84 14.02 11.49 15.03 12.17 16.11 12.89 17.27 13.65 18.52 14.46 19.85 15.57 16.76 18.04 19.42 20.90

ST 9.57 10.18 10.82 11.52 12.25 13.02 13.83 14.70 15.62 16.60 17.64 18.75 19.92 21.17 22.50


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Male $150,000 - $249,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

SNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

2.20 2.21 2.22 2.23 2.25 2.27 2.30 2.32 2.35 2.37 2.40 2.43 2.48 2.54 2.62 2.74 2.83 2.92 3.03 3.16 3.31

2.66 2.67 2.68 2.70 2.72 2.74 2.79 2.85 2.91 2.98 3.05 3.11 3.18 3.28 3.38 3.52 3.71 3.90 4.10 4.30 4.51

3.20 3.21 3.23 3.25 3.27 3.30 3.38 3.48 3.58 3.68 3.78 3.87 3.96 4.10 4.25 4.44 4.68 4.95 5.21 5.50 5.81

3.46 3.62 3.80 4.00 4.21 4.44 4.66 4.87 5.07 5.26 5.45 5.64 5.83 6.02 6.21 6.40 6.82 7.28 7.76 8.28 8.83

4.42 4.65 4.88 5.13 5.39 5.67 5.86 6.05 6.25 6.46 6.67 6.89 7.12 7.36 7.60 7.85 8.38 8.94 9.54 10.19 10.87

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

3.49 3.74 4.01 4.31 4.65 5.00 5.37 5.78 6.21 6.68 7.18 7.72 8.30 8.92 9.59 10.56 11.64 12.82 14.12 15.55

4.72 4.95 5.20 5.48 5.80 6.25 6.74 7.27 7.83 8.45 9.11 9.82 10.58 11.41 12.30 13.55 14.93 16.44 18.11 19.95

6.14 9.41 6.49 10.04 6.86 10.70 7.27 11.41 7.73 12.17 8.36 13.04 9.04 13.96 9.77 14.96 10.56 16.02 11.42 17.16 12.35 18.38 13.35 19.68 14.43 21.08 15.60 22.58 16.87 24.19 18.58 20.47 22.55 24.85 27.37

Sample Quote

Male Age 30 ST $200,000 Specified Amount Age Near Birthday

$1,334.00 $ 667.00 $ 333.50 $ 111.16

Annually (6.67 x 200) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

PT

ST 11.60 12.39 13.22 14.11 15.06 16.18 17.38 18.67 20.05 21.54 23.13 24.85 26.69 28.67 30.80

See female rates on reverse.


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Female $150,000 - $249,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

1.74 1.75 1.76 1.80 1.83 1.87 1.92 1.98 2.03 2.09 2.15 2.21 2.27 2.34 2.40 2.47 2.56 2.74 2.82 2.89 3.01

2.23 2.27 2.32 2.37 2.41 2.46 2.55 2.64 2.73 2.82 2.92 3.02 3.13 3.23 3.33 3.47 3.65 3.83 4.01 4.20 4.38

2.51 2.60 2.69 2.78 2.88 2.98 3.10 3.22 3.35 3.48 3.62 3.76 3.91 4.04 4.20 4.39 4.63 4.88 5.16 5.45 5.76

2.61 2.76 2.92 3.09 3.27 3.46 3.60 3.74 3.89 4.04 4.20 4.37 4.54 4.72 4.91 5.10 5.42 5.76 6.13 6.51 6.92

3.00 3.17 3.36 3.55 3.76 3.98 4.16 4.35 4.55 4.76 4.98 5.20 5.44 5.69 5.95 6.22 6.57 6.94 7.34 7.75 8.19

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

3.15 3.25 3.42 3.62 3.85 4.09 4.35 4.62 4.91 5.22 5.54 5.89 6.26 6.65 7.07 7.75 8.49 9.31 10.20 11.18

4.56 4.74 4.92 5.22 5.56 5.89 6.25 6.62 7.01 7.43 7.88 8.35 8.85 9.38 9.94 10.75 11.63 12.58 13.61 14.72

Sample Quote

Female Age 30 ST $200,000 Specified Amount Age Near Birthday

$ 996.00 $ 498.00 $ 249.00 $ 82.99

Annually (4.98 x 200) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

SNT

PT

6.09 7.36 6.44 7.82 6.81 8.32 7.20 8.84 7.61 9.40 8.08 9.92 8.59 10.62 9.13 11.54 9.69 12.47 10.30 13.58 10.94 14.75 11.63 15.92 12.35 17.06 13.12 18.24 13.94 19.43 15.04 16.24 17.52 18.91 20.41

ST 8.65 9.14 9.66 10.20 10.78 11.55 12.37 13.25 14.20 15.21 16.29 17.46 18.70 20.03 21.46


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Male $250,000 - $499,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

SNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

1.68 1.69 1.71 1.72 1.74 1.75 1.80 1.85 1.89 1.95 2.00 2.05 2.11 2.16 2.22 2.28 2.42 2.57 2.73 2.90 3.08

1.91 1.94 1.96 1.99 2.01 2.04 2.12 2.20 2.28 2.37 2.46 2.55 2.65 2.75 2.85 2.96 3.13 3.32 3.51 3.72 3.94

2.55 2.57 2.58 2.60 2.61 2.63 2.74 2.85 2.96 3.08 3.21 3.34 3.47 3.61 3.76 3.91 4.15 4.41 4.69 4.98 5.29

2.90 3.05 3.20 3.37 3.54 3.72 3.87 4.02 4.18 4.35 4.52 4.70 4.88 5.08 5.28 5.49 5.89 6.33 6.79 7.29 7.83

3.85 4.05 4.25 4.47 4.70 4.94 5.10 5.26 5.42 5.59 5.77 5.95 6.13 6.33 6.53 6.73 7.28 7.87 8.51 9.20 9.95

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

3.27 3.47 3.68 3.91 4.15 4.49 4.85 5.24 5.67 6.13 6.62 7.16 7.74 8.36 9.04 9.93 10.91 11.99 13.17 14.47

4.17 4.41 4.67 4.95 5.24 5.67 6.14 6.64 7.19 7.78 8.42 9.11 9.85 10.66 11.54 12.67 13.91 15.28 16.78 18.42

5.62 8.41 5.97 9.03 6.34 9.69 6.74 10.40 7.16 11.17 7.80 12.05 8.49 13.00 9.24 14.02 10.06 15.12 10.95 16.31 11.93 17.59 12.99 18.97 14.14 20.47 15.39 22.07 16.76 23.81 18.46 20.34 22.40 24.67 27.18

Sample Quote

Male Age 47 PENT $450,000 Specified Amount Age Near Birthday

$2,182.50 $1,091.25 $ 545.62 $ 181.86

Annually (4.85 x 450) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

PT

ST 10.76 11.64 12.59 13.61 14.72 15.77 16.88 18.08 19.37 20.74 22.22 23.79 25.48 27.29 29.23

See female rates on reverse.


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Female $250,000 - $499,999 Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

1.33 1.35 1.37 1.39 1.41 1.43 1.48 1.54 1.59 1.65 1.71 1.77 1.84 1.91 1.98 2.05 2.15 2.26 2.38 2.50 2.62

1.79 1.83 1.87 1.91 1.95 1.99 2.07 2.15 2.23 2.32 2.41 2.50 2.60 2.70 2.80 2.91 3.08 3.26 3.46 3.66 3.87

2.09 2.17 2.26 2.34 2.44 2.53 2.64 2.75 2.87 3.00 3.13 3.26 3.40 3.55 3.70 3.86 4.10 4.36 4.63 4.92 5.23

2.19 2.29 2.38 2.49 2.60 2.71 2.84 2.99 3.13 3.29 3.45 3.62 3.80 3.99 4.19 4.40 4.71 5.04 5.39 5.77 6.18

2.26 2.39 2.53 2.68 2.83 3.00 3.17 3.35 3.55 3.75 3.96 4.19 4.43 4.69 4.96 5.24 5.63 6.05 6.50 6.99 7.51

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

2.76 2.90 3.04 3.20 3.36 3.60 3.85 4.12 4.41 4.72 5.05 5.41 5.79 6.19 6.63 7.26 7.95 8.71 9.54 10.45

4.10 4.35 4.60 4.87 5.16 5.49 5.83 6.20 6.60 7.02 7.46 7.93 8.44 8.97 9.54 10.37 11.26 12.24 13.30 14.45

Sample Quote

Female Age 47 PENT $450,000 Specified Amount Age Near Birthday

$1,732.50 $ 866.25 $ 433.12 $ 144.36

Annually (3.85 x 450) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

SNT

PT

5.56 6.61 5.91 7.08 6.28 7.58 6.67 8.11 7.09 8.68 7.56 9.31 8.05 9.98 8.58 10.69 9.15 11.46 9.75 12.29 10.39 13.17 11.07 14.12 11.80 15.14 12.57 16.23 13.40 17.40 14.52 15.72 17.03 18.45 19.99

ST 8.07 8.68 9.32 10.02 10.77 11.54 12.36 13.24 14.19 15.20 16.28 17.44 18.69 20.02 21.45


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Male $500,000+ Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

SNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

1.36 1.37 1.38 1.38 1.39 1.40 1.45 1.50 1.55 1.60 1.66 1.71 1.77 1.83 1.90 1.96 2.10 2.25 2.41 2.59 2.77

1.60 1.62 1.65 1.67 1.70 1.72 1.80 1.87 1.96 2.04 2.13 2.22 2.32 2.42 2.53 2.64 2.81 3.00 3.20 3.41 3.64

2.25 2.26 2.28 2.29 2.31 2.32 2.43 2.54 2.65 2.77 2.90 3.03 3.17 3.31 3.46 3.62 3.87 4.14 4.42 4.73 5.06

2.64 2.78 2.92 3.07 3.22 3.39 3.54 3.70 3.86 4.04 4.21 4.40 4.60 4.80 5.02 5.24 5.62 6.04 6.48 6.95 7.46

3.73 3.92 4.12 4.33 4.56 4.79 4.95 5.12 5.29 5.47 5.66 5.85 6.05 6.26 6.47 6.69 7.24 7.83 8.47 9.17 9.92

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

2.97 3.18 3.41 3.66 3.92 4.26 4.63 5.04 5.47 5.95 6.47 7.03 7.64 8.31 9.03 9.92 10.90 11.98 13.16 14.46

3.88 4.13 4.41 4.70 5.01 5.44 5.91 6.43 6.98 7.59 8.24 8.96 9.73 10.57 11.49 12.57 13.76 15.06 16.48 18.03

5.40 8.01 5.78 8.60 6.18 9.23 6.60 9.90 7.06 10.63 7.64 11.51 8.26 12.47 8.93 13.50 9.66 14.62 10.45 15.83 11.30 17.14 12.22 18.56 13.22 20.10 14.29 21.77 15.46 23.57 16.98 18.64 20.47 22.48 24.68

Sample Quote

Male Age 39 SNT $1,000,000 Specified Amount Age Near Birthday

$4,730.00 $2,365.00 $1,182.50 $ 394.15

Annually (4.73 x 1,000) Semiannual (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

PT

ST 10.73 11.61 12.57 13.60 14.71 15.76 16.87 18.07 19.36 20.73 22.21 23.78 25.47 27.28 29.22

See female rates on reverse.


Protection and return of premium:

KEY

The best of both worlds!

PENT PNT SNT PT ST

Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco

Cashback Life 20 and 30 Rates per $1,000

Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30.

Female $500,000+ Age

PENT

PNT

SNT

PT

ST

Age

PENT

PNT

20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40

0.99 1.01 1.03 1.05 1.08 1.10 1.14 1.19 1.24 1.29 1.34 1.39 1.45 1.51 1.57 1.63 1.74 1.86 1.98 2.12 2.26

1.46 1.50 1.54 1.58 1.63 1.67 1.74 1.82 1.90 1.99 2.08 2.17 2.27 2.37 2.48 2.59 2.76 2.94 3.14 3.35 3.57

1.85 1.92 1.98 2.05 2.13 2.20 2.31 2.42 2.54 2.67 2.80 2.94 3.09 3.24 3.40 3.57 3.82 4.09 4.37 4.68 5.00

1.95 2.02 2.08 2.15 2.23 2.30 2.44 2.59 2.74 2.91 3.08 3.27 3.46 3.67 3.90 4.13 4.43 4.75 5.10 5.47 5.87

2.00 2.11 2.22 2.34 2.46 2.59 2.77 2.97 3.18 3.41 3.65 3.91 4.19 4.49 4.81 5.15 5.54 5.97 6.42 6.92 7.44

41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60

2.41 2.57 2.75 2.93 3.13 3.37 3.64 3.92 4.22 4.55 4.91 5.29 5.70 6.14 6.62 7.25 7.94 8.70 9.53 10.44

3.81 4.06 4.33 4.61 4.92 5.25 5.60 5.97 6.37 6.80 7.26 7.74 8.26 8.81 9.40 10.21 11.08 12.03 13.06 14.18

Sample Quote

Female Age 39 SNT $1,000,000 Specified Amount Age Near Birthday

$4,680.00 $2,340.00 $1,170.00 $ 389.98

SNT

PT

5.35 6.29 5.73 6.75 6.13 7.24 6.55 7.77 7.01 8.33 7.48 8.94 7.97 9.60 8.50 10.30 9.07 11.06 9.67 11.87 10.32 12.74 11.00 13.68 11.74 14.68 12.52 15.76 13.35 16.92 14.44 15.62 16.90 18.28 19.77

ST 8.01 8.63 9.29 10.00 10.76 11.53 12.35 13.23 14.18 15.19 16.27 17.43 18.68 20.01 21.44

Annually (4.68 x 1,000) Semiannually (Multiply annual by 0.50) Quarterly (Multiply annual by 0.25) Monthly (Multiply annual by 0.08333)

For Agent Use Only

2022R-KCL

2.11S


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.