10 Year Level Plan Description

10 Year Level Term Plan for ages 51 and over 

$10,000 Minimum Policy for age 51 and over 

The benefits for this plan are level and extend for a term period of ten years. Premiums are level and are payable for ten years. At the end of each ten year term period, the policy may be renewed for another ten year term period at the premium for the then attained age. 
  • The policy terminates at age 75. Benefits may be converted to any permanent plan of insurance then being offered, without loss of insurability at the rate for the then attained age. 
  • The Conversion provision provides for conversion at any time prior to age 70. 
  • Issue ages are 51 through 65. Rates shown for ages 66 through 74 are for renewal only, with the renewal period to age 75 only (i.e. at renewal age 66 this is a 9-year term plan, at renewal age 74 this is a 1-year term plan). 
  • Accidental Death Benefit (ADB) and Disability Waiver (WP) are offered as optional Riders. 
  • Annual Premium Rates listed below are per $1,000. Add $25.00 Fee Annually. 
  • For amounts of $100,000 or more, the policy fee is waived. 
 

Annual Premium Rates per $1,000. Add $25.00 Fee Annually.
For amounts of $100,000 or more, policy fee is waived.

 
MALE
FEMALE
 
SMOKER
NON-SMOKER
SMOKER
NON-SMOKER
Age
Annual
WP
ADB
Annual
WP
ADB
Annual
WP
ADB
Annual
WP
ADB
51
$9.73
$0.58
$1.42
$4.91
$0.53
$1.42
$5.57
$0.65
$1.42
$3.41
$0.59
$1.42
52
$10.42
$0.70
$1.45
$5.35
$0.64
$1.45
$5.91
$0.78
$1.45
$3.72
$0.71
$1.45
53
$11.17
$0.84
$1.49
$5.83
$0.76
$1.49
$6.31
$0.94
$1.49
$4.08
$0.85
$1.49
54
$11.97
$1.00
$1.53
$6.38
$0.91
$1.53
$6.77
$1.11
$1.53
$4.46
$1.01
$1.53
55
$12.90
$1.22
$1.57
$7.00
$1.05
$1.57
$7.30
$1.27
$1.57
$4.90
$1.15
$1.57
                         
56
$13.90
$1.29
$1.61
$7.70
$1.17
$1.61
$7.91
$1.43
$1.61
$5.40
$1.30
$1.61
57
$14.98
$1.35
$1.65
$8.46
$1.23
$1.65
$8.60
$1.51
$1.65
$5.92
$1.17
$1.65
58
$16.18
$1.41
$1.71
$9.29
$1.28
$1.71
$9.38
$1.56
$1.71
$6.48
$1.42
$1.71
59
$17.47
$1.44
$1.77
$10.22
$1.31
$1.77
$10.26
$1.60
$1.77
$7.10
$1.45
$1.77
60
$18.89
$1.83
$11.34
$1.83
$11.25
$1.83
$7.80
$1.83
                         
61
$20.42
 
$1.89
$12.66
  
$1.89
$12.35
  
$1.89
$8.55
  
$1.89
62
$22.08
 
$1.95
$14.15
  
$1.95
$13.57
  
$1.95
$9.33
  
$1.95
63
$23.88
 
$2.01
$15.78
  
$2.01
$14.91
  
$2.01
$10.17
  
$2.01
64
$25.87
 
$2.07
$17.50
  
$2.07
$16.38
  
$2.07
$11.16
  
$2.07
65
$28.00
 
$2.13
$19.30
  
$2.13
$18.00
  
$2.13
$12.30
  
$2.13
                         
66
$30.32*
 
$2.19
$21.10*
  
$2.19
$19.20*
  
$2.19
$13.31*
  
$2.19
67
$32.81*
 
$2.25
$22.98*
  
$2.25
$20.45
  
$2.25
$14.39*
  
$2.25
68
$35.41*
 
$2.31
$24.98*
  
$2.31
$21.78
  
$2.31
$15.54*
  
$2.31
69
$38.14*
 
$2.37
$27.12*
  
$2.37
$23.24
  
$2.37
$16.81*
  
$2.37
70
$41.01*
 
$29.40*
  
$24.89
  
$18.21*
  
                         
71
$44.04*
   
$31.84*
    
$26.73
    
$19.77*
    
72
$47.31*
   
$34.44*
    
$28.76
    
$21.50*
    
73
$50.42*
   
$37.68*
    
$30.95
    
$23.38*
    
74
$60.47*
   
$42.78*
    
$34.76
    
$26.08*
    
 
* Renewal Only   Semi-Annual: Annual X .52 Quarterly: Annual X .265