Security Mutual Insurance Company Products

Available for Issue Ages 18 - 55.
May be rated independent of the base policy at 150% or 200% of standard rate.
Benefit terminates at Age 60.
Premiums are level during the level period and increasing thereafter.

Accidental Death Benefit (ADB) Provides a specified death benefit amount in addition to the policy's basic death benefit if the insured dies as a result of an accident, as defined in the policy.

Available for Issue Ages 20 - 60.
May be rated independent of the base policy at 150% or 200% of the standard rate.
Maximum - Lesser of $250,000 or 2 times the base policy face amount. Benefit terminates at Age 70. Premiums vary and generally increase annually.

Living Benefits Rider (LBR) This rider permits the policy owner to access a portion of the life insurance proceeds during the insured's lifetime in the event that the insured is diagnosed as terminally ill (life expectancy of 12 months or less; in the state of Massachusetts, a life expectancy of 24 months or less). The amount available varies by state, but may be as much as 75% (not to exceed $250,000)of the life insurance proceeds payable upon death

Available for Issue Ages 18 - 65. Available for all Risk Classes including Rated Classes.

NOTE: Receipt of benefits may be taxable and may affect eligibility for public assistance programs.

No use of tobacco or nicotine products in the last 5 years.

Exception for Occasional Cigar Smokers: Occasional cigar smokers – those who will attest on the application to smoking 12 or fewer cigars per year – can qualify for Preferred Plus, provided their urinalysis is negative for cotinine.

Family History: No deaths or disease of a natural parent or sibling prior to age 60 due to cancer, stroke, heart problems or diabetes mellitus.

Blood Pressure (Without Treatment)
130/80 for ages 0 – 55
140/85 for ages 56+
Cholesterol (Treatment ok if well-controlled)
Less than or equal to 215

HDL/Cholesterol Ratio
Less than or equal to 5.0

No medical history of cancer (except superficial skin), coronary artery diseases, diabetes mellitus, ratable medical history, counseling or treatment for alcohol or drug abuse.

Driving Record: No more than three moving violations in the past three years; no DWI in the past ten years.

No private pilots (except commercial airlines), no hazardous avocations, no hazardous occupations.

Preferred Nonsmoker

To qualify for the Premier LT Extra Preferred class, the proposed insured must meet the following criteria. Much of this data will be available at the point of sale and should serve as a guideline in determining whether to quote the Preferred rate.

No use of tobacco or nicotine products in the last 36 months. (NOTE: To qualify for the standard nonsmoker rates, the applicant must not have smoked cigarettes for the past 12 months. Cigar and pipe smokers typically qualify for nonsmoker rates.)

Exception for Occasional Cigar Smokers: Those who will attest on the application to smoking 4 or fewer cigars per month can qualify for Preferred, provided their urinalysis is negative for cotinine.

Family History: No more than one death of a natural parent or sibling prior to age 60 due to cancer, stroke, heart problems or diabetes mellitus. If parents or siblings are living, then no more than one can have a history of cancer, stroke, heart problems or diabetes mellitus prior to age 60.

Blood Pressure (Treatment ok if well-controlled)
135/85 for ages 0-55
140/90 for ages 56+
Total Cholesterol (Treatment ok if well-controlled)
Less than or equal to 230
HDL/Cholesterol Ratio
Less than or equal to 5.5
No medical history of cancer (except superficial skin), coronary artery diseases, diabetes mellitus, ratable medical history, counseling or treatment for alcohol or drug abuse.

Driving Record: No more than three moving violations in the past three years; no DWI in the past seven years.

A flat extra fee may be required for private pilots, hazardous avocations or hazardous occupations.