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ViaTerm and ViaPro 30 provide term life insurance to age 85. The death benefit is level. Premiums are guaranteed level for the first 10, 15, 20, 25 (ViaTerm) or 30 (ViaPro) years. Rates increase annually thereafter, subject to a guaranteed maximum. With ViaPro 30, the client receives a cash refund payment if the policy is terminated or fully converted in years 7 through 25.

Issue Amounts
Minimum $100,000
Maximum $5,000,000
Higher amounts are subject to company approval and the availability of reinsurance.

Policy Fee
A $100 policy fee (non-commissionable) is charged each year.

Underwriting Classes
Class 1 - Preferred non-tobacco user - Applicants who have not used tobacco in any form in the past two years and meet the "preferred" criteria requirements for this class.

Class 2 - Standard non-tobacco user - Applicants who have not used tobacco in any form in the past 12 months and do not meet the "preferred" criteria. This class includes substandard risks for the non-tobacco user classes, including no nicotine in the urine.

Class 3 - Preferred tobacco user - Applicants who use tobacco in any form and meet the "preferred" criteria for this product.

Class 4 - Standard tobacco user - Applicants who do not qualify for any of the other classes. This includes substandard risks for the tobacco user classes.

Special Features

ViaPro 30 Premium Refund Option
ViaPro 30 automatically includes a premium Refund Option (PRO). The policyowner receives a cash refund payment if the ViaPro 30 policy is terminated or fully converted in years 7 through 25. If termination or conversion occurs between years 7 and 8, the policyowner will receive a portion of the year 8 refund. The cash refund payment will be based on the face amount, age, sex, rate class and length of time the policy has been in force. Additional premium for riders, table ratings or flat extras will not affect the amount of the cash payment.

Convertibility
The policy is convertible until the insured’s 70th birthday or the 10th policy anniversary, whichever is earlier. The client can convert to any permanent plan we make available for conversion. For ViaPro 30, the cash payment, if any, from the Premium Refund Option may be applied to the premium due for the converted policy. ViaPro 30 is convertible to the 15th policy anniversary.

Riders to ViaTerm and ViaPro 30 International

Accidental Death Benefit Rider (ADB)
The Accidental Death Benefit Rider provides protection if death occurs within 365 days after an accident. Death must be the result of injuries sustained in the accident. The minimum issue amount is $100,000. The maximum issue amount is the lesser of twice the base policy face amount or $300,000. The combined accidental death benefit for both the ADB and ADD riders cannot exceed $300,000 or two times the face amount, whichever is less. The rider is available at issue only. Premiums are level and payable until the rider expires at the policy anniversary nearest the insured's 65 th birthday.

Waiver of Premium Rider
The Waiver of Premium Rider provides that, in the event of total disability, we will waive an amount equal to the premium for the base plan, the Accidental Death Benefit Rider and the Accidental Death and Dismemberment Rider. There is a $3,000,000 maximum limit for the Waiver of Premium Rider. The rider is available at issue only. Issue ages are 18-55. Premium for this rider remains level during the initial level period of the base policy and increases annually thereafter.

If total disability begins before age 55, premiums will be waived as long as the disability lasts. If total disability begins between ages 55 and 60, premiums will be waived for the greater of two years or to age 60. The rider expires at the rider anniversary nearest the insured’s 60th birthday.

Accidental Death and Dismemberment Rider (ADD)
The Accidental Death and Dismemberment Rider provides protection if death or dismemberment occurs within 365 days after an accident. Death or dismemberment must be the result of injuries sustained in the accident.

The rider pays the following percentage of the rider benefit if the insured dies or suffers total loss from these disabilities:

100% Death

100% On the total loss of :

• sight of both eyes,
• both arms or both hands,
• both legs or both feet, or
• one hand and one foot

50% On the total loss of:

• sight of one eye,
• complete hearing of both ears,
• one arm or one hand, or
• one leg or one foot

25% On the total loss of:

• the thumb and index finger of one hand, or
• the complete hearing in one ear

100% For an accident not provided above which will cause the insured:

• total loss or weakening of his/her physical or intellectual strength AND
• the loss of at least 80% of his/her labor capacity

Total benefits resulting from one or more accidents may not exceed 100% of the benefit.

The minimum issue amount is $50,000. Maximum issue amount is the lesser of twice the base policy face amount or $300,000. The combined accidental death benefit for both the ADB and ADD riders cannot exceed $300,000. Premiums are level and payable until the rider expires at the policy anniversary nearest the insured's 65 th birthday. The rider is available at issue only.

Premium Calculations

Billing procedure
A client can choose among four premium payment modes: annual, semi-annual, quarterly or monthly pre-authorized premium payments.

If the pre-authorized monthly premium payment method is selected, premiums are deducted automatically from the policyowner’s checking account. The checking account must be with a U.S. bank located in the U.S. Withdrawals will be made in U.S. dollars. To implement a pre-authorized payment plan, your client must submit two monthly premium payments, a voided check and the pre-authorized payment form with the Personal Fact Sheet.

Full and current premiums must be submitted before a contract will be issued.

The rates in the premium table are for annual billing – the most economical mode. Use the factors in the following table to calculate the premiums for other modes.

Modal Factors

Sample Premium Calculation

This sample premium calculation illustrates how to reach the monthly premium for a $500,000 ViaTerm 15 base plan with a Waiver of Premium Rider. The client is male, from Colombia, age 50, and preferred non-tobacco user class 1.

From AG-136908-B