• Preferred and standard rates
• Issue age, attained age, and community rated plans
• 7% - 10% household discount
• Plans A, B, C, D, F, HDF, G, HDG, K and N
• One-time policy fee
• Under-65 plans
• Rate classes, discounts and plan availability vary by state

• Issue age 0-20
• $1,000-$30,000 (Standard and Guarantee Issue)
• Issue age 51-70
  • $1,000-$20,000 (Standard and Guarantee Issue)
• Issue age 0-20
  • Standard: $1,000-$10,000 (Standard and Guarantee Issue)
• Death benefits
  • Standard: Immediate
  • Guarantee Issue: 110% premiums paid for first two years
• Riders
  • Standard: Terminal illness, dismemberment
    (accidental death is paid optional)
  • Guarantee Issue: Terminal illness, dismemberment, accidental death

• Street commissions - 95% first year
  in most states!
• Benefit amounts of $5,000 - $75,000!
• Several optional riders available to customize your clients' coverage!
• $5,000 lump sum - a great fit with MA!
• $5,000 lump sum - $14/mo in most states age 65!

Benefits include:

• No network
• Available in 29 states
• Issue ages 18-100
• Pays 80% of actual charges*
• No waiting period for preventative
• Up to $3,000 annual max benefit
• Street commission of 45%

*After $100 deductible, up to annual maximum