Advantage Term - Heartland Financial Group

ADDvantage Term

Overview:	• Three Non-Tobacco and two Tobacco classifications • Innovative rate class structure for broader market reach • 10, 15, 20, and 30-year level premium guarantee periods
Issue Ages:	ADDvantage 10: 66-75 ADDvantage 15: 56-70 ADDvantage 20: 46-65 ADDvantage 30: 21-50
Minimum Face Amount:	$100,000
Policy Fee:	$65 (non-commissionable)
Rate Bands:	• Band 1: $100,000.00 – $249,999.99 • Band 2: $250,000.00 – $499,999.99 • Band 3: $500,000.00 – $999,999 • Band 4: $1,000,000 +* *Maximum subject to availability from reinsurers.
Rate Guarantee Period:	• ADDvantage 10: 10 years • ADDvantage 15: 15 years • ADDvantage 20: 20 years • ADDvantage 30: 30 years
Renewability:	Plans renewable to age 98
Underwriting Classes:	• Super Preferred Non-Tobacco • Preferred Non-Tobacco • Standard Non-Tobacco • Preferred Tobacco • Standard Tobacco
Waiver of Surrender Charge Option:	N/A
Riders Available:	• Accelerated Benefit Endorsement • Additional Insurance Option • Children’s Term Insurance Rider • Monthly Income Endorsement Rider • Waiver of Premium Rider

Applications & Forms:	iPipeline Download (applications/forms/etc)
Guides:	Consumer Brochure	ADDvantageMarketing Guide