State Approvals

Available in all states except: NY UT

Type

ROP Level Term features level term coverage for 15, 20 or 30 years, with a return of premium at the end of the term period. The return of premium feature is inherent in the ROP Term product; it is not provided by a rider.

Conversion Options

Convertible to the earlier of age 75 or the end of the level term period. After year 5, cash value can be rolled over to the new per-month plan via 1035 exchange.

Issue Ages

Age Nearest Birthday

ROP 15: 20-65 (Nonsmokers); 20-55 (Smokers)
ROP 20: 20-60 (Nonsmokers); 20-55 (Smokers)
ROP 30: 20-50 (Nonsmokers); 20-45 (Smokers)

Face Amounts
Min/Max

Four rate bands:
$100,000-$149,999
$150,000-$249,999
$250,000-$499,999
$500,000+

Modal Factors

Semi-annual = .5
Quarterly = .25
Monthly = .0833

Policy Fee

No Policy Fee. Premium is fully commissionable.

Special Product
Features

Riders:

Child Rider is available for
a) parent's issue ages 20 to 55 on policies through Table H
b) children age 15 days or more but less than 19 years old and not substandard rated.
Child Rider expires at the earlier of the policy anniversary nearest the child's age 25 and parent's age 65.
Waiver of premium (WP)
Available on policies through Table D for issue ages of 20–55. Coverage expires on the policy anniversary following the insured’s attainment of age 65. If elected, this rider automatically will pay policy premiums in the event of the insured’s total disability.
Terminal Illness Endorsement
In case of a terminal illness diagnosis, you would be eligible to receive an accelerated death benefit equaling the lesser of $250,000 or 50% of your policy death benefit.

ROP Level Term Underwriting Guidelines

Classes

Preferred Plus Nontobacco
Preferred Nontobacco
Standard Plus Nontobacco
Standard Nontobacco
Preferred Tobacco
Standard Tobacco
Rated Nontobacco
Rated Tobacco

Re-entry

Tobacco Definition

Preferred Plus Nontobacco - No tobacco use for 5 years
Preferred Nontobacco - No tobacco use for 3 years
Standard Plus Nontobacco - No tobacco use for 2 year
Standard Nontobacco - No tobacco use for 1 year

Special Underwriting
Features

Preferred Plus Nontobacco
Tobacco Use: None in the last 5 years

Aviation or Hazardous Avovation: No

Cholesterol: If HDL <4.5, 205
If HDL <4.0, 240

Blood Pressure: 0 - 60:140/85
61+:150/85 and no Blood Pressure Treatment

MVR: 1 violation in 3 years
No DUI, Reckless driving or Revocation/Suspension in last 5 years.

Family History: No Cardiovascular disease prior to age 60 (Parents Only).

Personal History: No cancer or ratable impairment.

Preferred Nontobacco
Tobacco Use: None in the last 3 years

Aviation or Hazardous Avocation: No

Cholesterol: If HDL <5.5,235
If HDL <5.0, 260

Blood Pressure: 0 - 60: 145/88
61+: 155/88
Or Pref. Plus BP w/ Treatment

MVR: 2 violations in 3 years
No DUI, Reckless driving or Revocation/Suspension in last 5 years.

Family History: No Cardiovascular death prior to age 60.(Parents Only)

Personal History: No cancer or ratable impairment.

Standard Plus Nontobacco
Tobacco Use: None in the last 2 years

Aviation or Hazardous Avocation: With flat extra

Cholesterol: If HDL <6.5,250
If HDL <6.0, 280

Blood Pressure: 0 - 60: 150/92
61+: 160/92
Or Pref. Plus BP w/ Treatment

MVR: 2 violations in 3 years
No DUI, Reckless driving or Revocation/Suspension in last 5 years.

Family History: No Cardiovascular death prior to age 60.(Parents Only)

Personal History: No cancer or ratable impairment.

Standard Nontobacco
Tobacco Use: None in the last year

Aviation or Hazardous Avocation: With flat extra

Cholesterol: If HDL > 6.5, 250
If HDL > 6.0, 280

Blood Pressure: 0 - 60: 150/92
61+: 160/92
Or Pref. NT BP w/ Treatment

MVR: 3 violations in 3 years
No DUI, Reckless driving or Revocation/Suspension in last 2 years.

Preferred Tobacco
Aviation or Hazardous Avocation: No

Cholesterol: If HDL <5.5, 235
If HDL <5.0, 260

Blood Pressure: 0-60:145/88 61+:155/88 or Pref. Plus BP reading with Treatment

MVR: 2 violations in 3 years.
No DUI, Reckless driving or Revocation/Suspension in last 5 years.

Family History: No cardiovascular death prior to age 60. (Parents only)

Personal History: No cancer or ratable impairment

Standard Tobacco
Aviation or Hazardous Avocation: With flat extra

Cholesterol: If HDL > 5.5, 235
If HDL > 5.0, 260

Blood Pressure: 0-60: 145/88 61+: 155/88 or Pref. NT BP reading with Treatment

MVR: 3 violations in 3 years.
No DUI, Reckless driving or Revocation/Suspension in last 2 years.