Life Protector

Protection for Life, Accident, Specific Illness, and More!

A ten-year renewable and convertible term life policy.

Life Protector will pay 25% of the Policy Death Benefit to you if you have:

• Heart Attack
• Stroke
• Coronary Artery Bypass Surgery
• Life Threatening Cancer

Payment of this accelerated Death Benefit will reduce Your Policy Death Benefit by 25%

Life Protector will pay 50% of the Policy Death Benefit if you purchase the Optional Accelerated Living Benefit Rider and you are diagnosed with the Life Threatening Cancer evidenced by malignant tumors in the:

• Breast(s)
• Ovary(ies)
• Uterus
• Cervix
• Prostate
• Testicle(s)

Payment of this accelerated Death Benefit will reduce your Policy Death Benefit by 50%.

Life Protector will pay 50% of the Policy Death Benefit if you purchase the Optional Accidenteal Death and Dismemberment with Common Carrier Benefit Rider and you have an accidental loss of:

• One hand
• One foot
• Sight of one eye

Payment of this dismemberment benefit does not reduce the Policy Death Benefit.

Life Protector will pay 100% of the Policy Death Benefit if you purchase the Optional Accidental Death and Dismemberment with Common Carrier and you have an accidental loss of:

• Both hands
• Both feet
• Both eyes
• One hand and one foot
• One eye and either one hand or one foot

Payment of this dismemberment benefit does not reduce the Policy Death Benefit.

Life Protector will pay 100% of the Policy Death Benefit to your Beneficiary if your death is not the result of an accidental bodily Injury entitling you to one of the Policy Death Benefits above.

Life Protector will pay 200% of the Policy Death Benefit to your Beneficiary if you purchase the Optional Accidental Death and Dismemberment with Common Carrier Benefit Rider and Your death is caused by any other accidental bodily Injury.

Life Protector will pay 300% of the Policy Death Benefi t to Your Benefi ciary if You purchase the Optional Accidental Death and Dismemberment with Common Carrier Benefit Rider and Your death is caused by an accidental bodily Injury occurring while You are riding as a far paying passenger on a Common Carrier.

Features

• Premium payment options of $20, $30, $40, or $50 through monthly bank draft if you purchase the life policy with the Accidental Death and Dismemberment with Common Carrier Benefit and Accelerated Living Benefit optional riders. The amount of the Policy’s Death Benefit depends upon Your monthly premium payment which is selected at the time of application. You may also pay monthly direct, quarterly, semi-annually or annually.
• The option to convert Your Life Protector Policy to a whole life policy then offered by Us, if any, without evidence of insurability. The amount of insurance provided under the whole life policy cannot exceed the Death Benefit available under Your Life Protector Policy.
• Premiums are guaranteed for ten (10) years. You may keep your Life Protector Policy beyond ten (10) years, and Your premiums will be adjusted accordingly.
• Optional coverage for accidental death and acceleration of Your Death Benefits. These benefits are described in more detail below.