Your Term

Term Periods:	10, 15, 20, 25, 30 years
Issue Ages:	10 year: 18-80 15 year: 18-70 20 year: 18-60 25 year: 18-55 30 year: 18-50
Issue Amounts:	$50,000 to $400,000
Policy Fee:	$70, commissionable except on medically underwritten certificates
Underwriting Classes:	Non-Medical Standard Non-Tobacco Standard Tobacco Medical Preferred Plus Non-Tobacco Preferred Non-Tobacco Standard Plus Non-Tobacco Standard Non-Tobacco Tobacco Plus Standard Tobacco
Convertibility:	Prior to the earlier of: • The end of the initial term period less five (5) years, and • The certificate anniversary on which the insured is age 65
Premiums:	Level and guaranteed for the initial term period of 10, 15, 20, 25 or 30 years.
Included Riders: (no additional premium)	Family Health Benefit Rider Common Carrier Accidental Death Rider Accelerated Death Benefit Rider
Payment Modes:	Annual, semi-annual,quarterly, monthly automatic bank withdrawal (PAC)
Optional Riders:	Accidenal Death Rider Waiver of Premium Rider Disability Income RIders Childern’s Term Rider

Illustration Software:	Foresters Console (Advantage Plus, Smart UL and Term)
Guides:	Product Guide Product Reference Sheet	Underwriting Guide Non-Medical Underwriting Guide

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