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