The answer to questions on the application and the outcome of the underwriting review determines which coverage is available.  A few featured details & highlights* include:

• PlanRight with a Level Death Benefit
  • Death Benefit is 100% of the face amount
  • Maximum face amount is $35,000 (depending on age at application)
  • Optional Accidental Death Rider available
• PlanRight with a Graded Death Benefit
  • Death Benefit in the 1st Year is the greater of a) the sum of all premiums paid with 4.5% interest; or b) 30% of the face amount
  • Death Benefit in the 2nd Year is 70% of the face amount
  • Death Benefit in the 3rd Year and after is 100% of the face amount
  • Maximum face amount is $20,000 (depending on age at application)
• PlanRight with a Modified Death Benefit
  • Death Benefit in the first 2 years is the sum of all premiums paid with 10% annual interest
  • Death Benefit in the 3rd Year and after is 100% of the face amount
  • Maximum face amount is $15,000 (depending on age at application)
• Premiums for all plans are level and guaranteed for life of plan
• All Death Benefits are guaranteed as long as premiums are paid
• All plans include a built-in Common Carrier Accidental Death Rider which can provide additional benefits for accidental death while riding as a fare-paying passenger on a common carrier, such as a bus or train