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Senior Life

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Senior/Simplified Issue

A Plan for Life

We know you've worked hard to provide security for you
loved ones. You want the savings and property you've acquired
to stay with your family, not to be consumed by your final expenses.
You'd life to enjoy the peace of mind that comes from knowing you've provided for your loved ones.

Planning today for peace of mind tommorrow

With a Senior/Simplified Issue plan, you can plan now for your
final expenses so that your family won't be burdened with them.
A Senior/Simplified Issue is a "permanent life" policy, which means
it can remain in effect throughout your life.

Senior/Simplified Issue also offers these advantages:

· Wide range of coverage levels
  You can decide how much coverage you want based on the needs
  you and your loved ones anticipate.

· Several plans available
  You age and medical history will help determine which
  Senior/Simplified Issue plan is right for you.

· Guaranteed interest and loan rates
  Your policy accumulates cash value at a guaranteed interest rate.
  During your premium paying period, those funds are available to
  you for any purpose. You can also borrow against the policy,
  and your loan rate is guaranteed, too.

· No medical exams, office visits or blood tests
  Just answer the simple yes/no questions on our short application form.

· No waiting for coverage to begin
 
Your policy goes into efeect as soon as it's approved and issued
   by the company.

For even greater peace of mind, Senior/Simplified Issue gives
you these added guarantees:

· Your policy can't be cancelled without your consent.
  You'll always be able to keep your coverage.

· Your premium won't be increased during the life of the policy.
  Even if your health declines, you can never be singled out for a rate  
  increase.

· Your coverage won't be decreased during the life of the policy.
  You'll always know how much coverage is available.

Senior/Simplified Issue

Coverage range: $2000-$50,000

Issue ages: 45-85 (in most states)
     Coverage amount selected: 
     $_______

     Your monthly premium: 
     $_______
Terminal Illness Endorsement
If you are diagnosed with a terminal illness that is expected to result in your death with 12 months, you may be advances up to 100% of your policy's current death benefit, as long as the policy was in force at least 30 days before the diagnosis was made. Any remaining benefit will be paid upon your death.

     Additional monthly
     premium of $____Ø___

Accidental Death Coverage
This coverage provides accidental death protection up to the face amount of the policy, depending on your age. In the event of your accidental death, this amount would be paid to your beneficiary in addition to your Provider Life policy amount.
     Additional monthly
     premium of $________
   Additional premium per $1,000 of
   additional coverage:
     Your total monthly
     premium of $________
   Up to age 55
   Age 56-65
   Age 66-75
   Age 76-80
$ 1.50/yr.
$ 2.00/yr.
$ 4.00/yr.
$10.00/yr


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