Coverage

     $5,000. to $75,000.   

                  Benefits Included

• *  Accelerated Death Benefit Rider
              (Terminal Illness);

• *  Common Carrier Accidental               Death Benefit Rider;

• * As the owner of the certificate, you can decide to transfer ownership of the certificate to your child or grandchild at an age and time of your choosing.¹ 

• *  Family Health Benefit Rider*;

• *  Cash Value

  Available Benefits (at low cost)

• *   Guaranteed Insurability Rider

• *  Waiver of Premium Rider

• *  Children Term Rider (provides term life insurance coverage for your children to be converted into permanent coverage without evidence of insurability)

• *  Accidental Death Rider