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Life Paid-Up at 99 (L99)
| Sales Applications | Wealth replacement and protection. Strong, long-term IRRs on cash value and death benefit. Works well with Term blends. |
| Sweetest Spots | Best long-term performance. Early premium offset. Best support of Option Q. |
Key Features |
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| Issue Ages | 0 - 80 |
| Minimum Face Amount And/or Case Size | $250,000 Preferred Plus NT $100,000 Preferred NT $25,000 All Other Classes |
| Riders and Options | Waiver of Premium Combined Waiver of Premium Accidental Death Benefit Enhanced Accelerated Benefit Guaranteed Insurability Paid-Up Additions DuoGuard 10-year Annually Renewable Term Select Security Simplified Insurability Option Exchange of Insureds |
| Dividend Options | A, B, C, D, F, G, L, P, Q, R, S, U |
Underwriting |
|
| Policy Classes | Preferred Plus NT Preferred NT Non-Smoker Standard (Smoker) Substandard (Classes 1-16) |
Sample Premiums |
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| Male, Age 40, Best Class $1 Million Face Amount |
$15,080 |
Client Proposals |
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| Navigator Presentations | EABR Policy Summary Cost of Waiting Prepaid Premiums Executive Bonus Policy Comparison |
