Penn Term 10: Term insurance with guaranteed level premiums during the initial 10-year period. Premiums increase annually in years 11 and later.

Penn Term 15: Term insurance with guaranteed level premiums during the initial 15-year period. Premiums increase annually in years 16 and later.

Penn Term 20: Term insurance with guaranteed level premiums during the initial 20-year period. Premiums increase annually in years 21 and later.

Penn Term 30: Term insurance with guaranteed level premiums during the initial 30-year period. Premiums increase annually in years 31 and later.

Penn Series 5: 20-75
Penn Series 10: 20-75
Penn Series 15: 20-65
Penn Series 20: 20-60
Penn Series 30: 20-50

Family Insurance Rider:
This rider provides a monthly income of $50 per unit purchased upon the death of a spouse. The benefit is payable only if the spouse dies during the lifetime of the Insured, and before the contract anniversary nearest the Insured's age 65. The rider provides $1000 per unit upon death of a covered child. The benefit is payable if the child dies before attained age 25, and before the contract anniversary nearest Insured's age 65. All benefits are paid to the owner of the policy.

Children's Insurance Rider: This rider provides $1000 per unit purchased upon death of a covered child. The benefit is payable if the child dies before attained age 25, and before the contract anniversary nearest the Insured's age 65. All benefits are paid to the owner of the policy.

Blood Pressure: Currently well controlled with or without treatment, with no readings in the past two years greater than 136/86

Family History: No cardiovascular disease or cancer in either parent or siblings before age 60

Driving History: No more than 2 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Cancer History: Only available on certain types of skin cancer

Cholesterol: Levels may not exceed 220; CHOL/HDL may not exceed 5.0

Alcohol/ substance abuse: No history of substance or alcohol abuse

Aviation: Only available with exclusion rider

Avocation: Available only if no flat extra premium would be required

Residency/ Citizenship: Must be a US resident for past 3 years and either a US citizen or have permanent Visa or Green Card

Preferred Non-Tobacco :
Impairments: No personal history of disease or impairment that would affect mortality

Blood Pressure: Currently well controlled with no readings in the past two years greater than 146/90

Family History: No cardiovascular or cancer death in either parent before age 60

Driving History: No more than 2 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.

Cancer History: Only available on certain types of skin cancer

Cholesterol: Level may not exceed 250; CHOL/HDL Ratio may not exceed 6.0

Alcohol/ substance abuse: No alcohol or substance abuse in the past 10 years

Aviation: Preferred is available with flat extra or exclusion rider

Avocation: Preferred is available, however may have flat extra

Residency/ Citizenship: Must be a US resident for past 3 years and either US citizen or have permanent Visa or Green Card

Standard Plus Non-Tobacco :
Impairments: No personal history of disease or impairment that would affect mortality

Blood Pressure: Currently well controlled with no readings in the past two years greater than 152/92

Family History: No cardiovascular or cancer death of more than one parent before age 60

Driving History: No more than 3 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 3 years.

Cancer History: Available depending on type and duration of cancer

Cholesterol: Level may not exceed 280; CHOL/HDL Ratio may not exceed 7.0

Alcohol/ substance abuse: No alcohol or substance abuse in the past 7 years

Aviation: Standard Plus is available with flat extra or exclusion rider

Avocation: Standard Plus is available, however may have flat extra

Residency/ Citizenship: Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green Card

Standard:
Impairments: No personal history of disease or impairment that would affect mortality

Blood Pressure: Currently well controlled with no readings in the past two years greater than 156/94

Family History: No cardiovascular or cancer death of more than one parent before age 60

Driving History: No more than 4 violations in last 3 years. No DWI, DUI, reckless driving, license revocation or suspension in last 2 years.

Cancer History: Available depending on type and duration of cancer

Cholesterol: Level may not exceed 300; CHOL/HDL Ratio may not exceed 8.0

Alcohol/ substance abuse: No alcohol or substance abuse in the past 7 years

Aviation: Standard is available with flat extra or exclusion rider

Avocation: Standard is available, however may have flat extra

Residency/ Citizenship: Must be a US resident for past 2 years and either US citizen or have permanent Visa or Green Card