This is fully underwritten, level-premium term life insurance.

Sales advantages:
• Level death benefits and premiums
• Five underwriting classes
• Commissionable policy fee

The Return of Premium policy assures 100% return of eligible premium paid at the end of the policy term (excludes rider premiums), providing the policy is still in force. The amount equals the sum of all premiums actually paid for the base policy. A prorated return of eligible premium is provided beginning the sixth policy year in the event of policy surrender.

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Term (PDF)