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FOR OTHER ADVISORS - Source Book

Return of Premium Term

The Ratings of The Insurers Shown Are At Least: AM Best=A+, S&P=AA, Moody's=Aa

30-Year Return of Premium Term cost per $1,000,000 of coverage This policy provides a level amount of term life insurance coverage for a level annual premium. At the end of the 30-year term, if a death has not occurred, the policy guarantees to return 100% of the total premiums paid to the policy owner. For example; for a 35-year old female, $1,000,000 of term life insurance can be provided for 30 years by paying an annual premium of $1,380 for each of the 30 years. If the insured dies during the 30 years, the $1,000,000 is paid out. If not, and the policy remains in effect for the full 30 years, a premium refund of $41,400 (30 X 1,380) would be made to the policy owner.	Age at Issue	Annual Level Premium 30-Year Guarantee
	Age at Issue	Male	Female
	25	$1,210	$950
	30	$1,210	$1,000
	35	$1,620	$1,380
	40	$2,210	$1,830
	45	$3,360	$2,350
	50	$5,930	$3,710
	55	N.A.	N.A.
	60	N.A.	N.A.
	65	N.A.	N.A.
	70	N.A.	N.A.
Updated October 1, 2008

Rates above assume non-smoker in "Preferred" or "Best Preferred" health category. They cannot be assumed to be the rates at which any particular policy will be issued. Final issue decisions and final rates must be determined only after a application, a medical examination and additional data is obtained by the insurer.