Union Central - Level Term 10, 15, 20, 30 Product Features

               Preferred    Preferred     Non-Tobacco     Preferred     Tobacco
                  Plus                                                  Tobacco
LT10
- Outside New York*
Male/Female       20-75       20-75          20-80          20-75        15-80
- In New York
Male/Female       20-70       20-70          20-70          20-70        20-70

LT15
- Outside New York*
10-year guarantee
Male/Female       20-75       20-75          20-75          20-75        15-75
Full guarantee
Male                  20-75       20-75          20-75          20-71        15-69
Full guarantee
Female               20-75       20-75          20-75          20-75        15-75
- In New York
10-year and
full guarantees
Male/Female       20-65       20-65          20-65          20-65        15-65

LT20
- Outside New York*
10-year guarantee
Male/Female       20-70       20-70          20-70          20-70        15-70
Full guarantee
Male                   20-69       20-68          20-66          20-63        15-62
Full guarantee
Female                20-70       20-70          20-69          20-67        15-66
- In New York
10-year and
full guarantees
Male/Female       20-60       20-60          20-60          20-60        15-60

LT30
- Outside New York*
10-year guarantee
Male/Female       20-60       20-60          20-60          20-60        15-60
Full guarantee
Male                   20-50       20-50          20-50          20-45        15-42
Full guarantee
Female               20-50       20-50          20-50          20-50        15-46
- In New York
10-year and
full guarantees
Male/Female       20-50       20-50          20-50          20-50        15-50


*Subject to variation by state in IN, OR, PA, and WA

Accidental Death Benefit:
If the insured dies as a result of an accident prior to age 70, the beneficiary will receive the base policy proceeds and the proceeds provided under this rider. Issue ages: Non-tobacco 20-65; Tobacco 15-65.

Life Needs Option:
Allows the policyowner to receive an advance of up to one-half the policy’s death benefit (up to $500,000) if the insured becomes terminally ill (with a life expectancy of 12 months or less).

• Level Term products are renewable to age 100 (80 in New York or rated)
  • Variations in MD
• Level Term products may be converted to a permanent individual life product, with the incentive of generous conversion credits.

• Have you used any form of tobacco in the last 36 months?

• Have you participated in any hazardous sport activities or aviation in the last five years?

• Have you ever been charged with or convicted of a DWI or DUI in the last 10 years?

• Have you ever sought or received treatment for alcohol and/or drug abuse?

• Does your total cholesterol exceed 225 and total cholesterol/HDL ratio exceed 5.0?

• Have you experienced significant hypertension in the past, and are current blood pressure readings normal (140/85 or less)?

• Have you been charged with more than 2 traffic violations within the last 36 months?

• Is your current blood panel completely normal?

For Preferred Plus, also follow the Preferred guidelines listed below.

Preferred
If the proposed insured answers “yes” to any of the following questions, he/she may not be eligible for the Preferred classification. In the event of a “yes” answer, submit the questionnaire to your Home Office Underwriter with a written explanation outlining details of that answer.

If all answers are “no” and the evidence of insurability submitted with the application is determined by underwriting to be favorable, the policy will be issued as Preferred.

• Have you used any form of tobacco in the past 24 months?

• Are you a private pilot with less than 500 solo hours; or do you fly more than 250 hours per year; or do you fly in other than conventional aircraft (jet/prop)?

• Have you been charged with two or more traffic violations within 24 months or have you been convicted of driving under the influence of alcohol or any other drug within the past five years?

• Have you sought or received treatment for alcohol or drug abuse within the last 10 years?

• Has a member of your immediate family died of or been diagnosed with coronary artery, cerebral vascular disease or diabetes prior to age 60?

• Have you ever had or been told by a doctor that you had cancer, diabetes, heart disease or an abnormal EKG?

• Based on your age, does your total cholesterol exceed the following limits?
...Age 20-40: Cholesterol mg/dl 230
...Age 41-55: Cholesterol mg/dl 250
...Age 56-up: Cholesterol mg/dl 270

• Is your HDL less than 45mg/dl?

• Is your blood pressure higher than 140/85? (If over age 55, 150/90)?