Lincoln Benefit   


A part of

For Policy Owner Service 1-800-525-9287  
For New Business Quotes 1-888-587-8511

Term Life America Insurance is proud to offer Lincoln Benefit Life. Solid resources backed by a combination of innovative products and service beyond expectations.

Products

Lincoln Benefit Life - Level Best Platinum   Level Best Platinum Product Features State Approvals All Except MA, NY & WA Type Lincoln Benefit premiums are expected to remain level for an initial period, either 10, 15, 20, or 30 years, and are guaranteed not to increase for the first 10 years. Conversion Options The Level Best Platinum plan is convertible for the level premium period or age 70, if earlier. Issue Ages Age Last Birthday Level Best Ten: 18-75 Level Best Fifteen: 18-70 Level Best Twenty: 18-65 Level Best Thirty: 18-55 ***Note: There are state variations for IN and OR. Face Amounts Min/Max Min: $500,000 Modal Factors Semi-annual = .52 Quarterly = .27 Monthly = .0875 Policy Fee $60 annually Special Product Features Child Protection Rider: Covers natural, stepchildren, or legally adopted children of the insured who are 15 days to 17 years old at issue. Coverage on each child lasts until their age 25 or the insured’s age 65 if sooner. Each unit provides $5,000 coverage on each eligible child for a $30.00 annual premium. A minimum of 1/2 unit ($2,500) to a maximum of two units ($10,000) is available. Waiver of Premium: Available for ages 18-55. This benefit is allowed for premium amounts up to $10,000. For premiums greater than $10,000, this benefit is not allowed. Not available on cases where base insured is rated above table 4 and/or has a flat extra rating above $5.00. The rider terminates on the policy anniversary when the primary insured’s attained age is 60. Premiums remain level for the current premium period of 10, 15, or 20 years and increase annually thereafter according to the base insured's attained age. Additional Insured Rider Accelerated Death Benefit Rider

Lincoln Benefit Life - Level Best Platinum Underwriting Guidelines
Classes	Preferred Elite Preferred Standard Select Standard Non-Tobacco Preferred Smoker Standard Smoker
Re-entry	With Evidence
Tobacco Definition	Must be a non-user of all tobacco products or nicotine substitutes for at least: Preferred Elite: 3 years (for face amounts <$3,000,000); 5 years (for face amounts >$3,000,000) Preferred: 3 years Standard Select: 2 years Standard: 12 months Preferred Smoker: Current cigarette use within the last 12 months must be limited and not exceed one pack (20) of cigarettes on a daily basis.
Special Underwriting Features	Preferred Elite Class (for face amounts $3,000,000): 1. Must be a non-user of tobacco products or nicotine substitutes for at least the past five years. 2. No occurrence of coronary disease, stroke, invasive internal cancer or malignant melanoma before the age of 60 in natural parents or the siblings. 3. Please refer to the build chart 4. There must not be any history or current treatment for elevated blood pressure (hypertension). Current blood pressure average must not exceed 135/85 for ages 0-60; 145/90 for ages 61+. 5. There must not be any history or current treatment for elevated cholesterol (hyperlipidemia). Current cholesterol levels must not exceed 220 mg%; 250 mg% if cholesterol to HDL ratio is <4. Cholesterol to HDL ratio must not exceed 4.5:1. 6. Must be a standard risk for occupation. 7. No DUIs or reckless driving within last 10 years (maximum one allowed within lifetime) and no more than one moving violation within last three years. 8. Must not have participated in a hazardous avocation within the last two years. Recreational scuba diving up to 50 feet will not disqualify an insured from the Preferred Elite classification. 9. No flying as pilot or crewmember except on regularly scheduled U.S. based airline. 10. No active military risk will be acceptable for Preferred Elite rates. 11. Must have resided in United States for three years and have no intention of extensive foreign travel to underdeveloped countries or areas of political instability. 12. Must never have been treated for alcohol or drug abuse. Preferred Class: 1. Must be a non-user of all tobacco products or nicotine substitutes for at least the past three years. 2. There must be no history of death of parent due to coronary dis-ease, stroke, invasive internal cancer or malignant melanoma before the age of 60. 3. The insured's weight must be less than the maximum listed for the corresponding height on the build chart. 4. Individuals with controlled elevated blood pressure will be accepted as long as the current and historical blood pressure average over the last two years does not exceed 140/90 for ages 0-60; 150/90 for ages 61+. 5. Individuals with treatment for elevated cholesterol (hyperlipidemia) will be accepted as long as the current and historical cholesterol levels over the last two years meet the following parameters: Must not exceed 250 mg%, or 275 mg% if Cholesterol to HDL ratio is <5.5. Cholesterol to HDL ratio must not exceed 6:1. 6. Hazardous occupations are not excluded but flat extra fee may apply. 7. No DUIs or reckless driving within last five years and no more than two moving violations within last three years. 8. Avocation activities are not excluded but a flat extra fee may apply. 9. No flying as pilot or crewmember except: (1) on regularly scheduled U.S. based airline or (2) private pilots with over 300 hours of experience flying 50-150 hours per year with IFR. 10. No active military risk below the rank of commissioned officers will be acceptable for Preferred rates. Commissioned officers must not be involved in hazardous military duties, e.g. aviation or special forces. 11. Must have resided in United States for three years and have no intention of extensive foreign travel to underdeveloped countries or areas of political instability. 12. Must never have been treated for alcohol or drug abuse. Standard Select Class: 1. Must be a non-user of all tobacco products or nicotine substitutes for at least the past two years. 2. There must be no more than one death of a parent due to coronary disease, stroke, invasive internal cancer or malignant melanoma before the age of 60. 3. The insured’s weight must be no more than the maximum listed for the corresponding height on the build chart. 4. Individuals with controlled elevated blood pressure will be accepted as long as the current and historical blood pressure average over the last two years does not exceed 145/90 for ages 0-60; 155/95 for ages 61+. 5. Individuals with treatment for elevated cholesterol (hyperlipidemia) will be accepted as long as the current and historical cholesterol levels over the last two years meet the following parameters: Must not exceed 285 mg%. Cholesterol to HDL ratio must not exceed 7:1. 6. Hazardous occupations are not excluded but a flat extra fee may apply. 7. No DUIs or reckless driving within last five years and no more than three moving violations within the last three years. 8. Participation in hazardous avocation and scuba diving within the last two years will not automatically disqualify the applicant. 9. Private pilots will be considered for Standard Select rates with the addition of a flat extra fee or Aviation Exclusion Rider where warranted. 10. Active military personnel who are not commissioned officers will be considered for Standard Select rates and may require addition of flat extra rating if involved in hazardous military duties, e.g. aviation or special forces. 11. Must not have been treated for alcohol or drug abuse within the last five years. 12. Must have resided in United States for one year and have no intention of extensive foreign travel to underdeveloped countries or areas of political instability.