Policy wording – Term 10 Foresters

E-Z Term – Plan Description

E-Z Term is a simplified issue guaranteed
renewable and convertible 10-year term
plan. Premiums are guaranteed for the
initial 10-year period. The policy can be
renewed
(without evidence of insurability)
for subsequent 10-year periods and the
renewal premiums are adjustable. Renewal
premiums will never be increased by more
than 25%
of the premium rate shown in
the premium schedule. It is renewable to
age 75 and convertible to age 65.

SIMPLIFIED ISSUE

To qualify for an E-Z Term policy the
proposed insured simply needs to be able
to answer “No” to the questions on the E-Z
Term application. There are no medicals
or fluids required to qualify for an E-Z
Term policy.

ISSUE AGES

18-65 (based on age last birthday).

ISSUE AMOUNTS

The minimum issue amount is $25,000. It
is then available in increments of $1,000
up to the maximum issue amount, based
on issue ages as follows:
18-40: $250,000
41-50: $200,000
51-60: $150,000
61-65: $100,000

ANNUAL POLICY FEE

$35
NO MULTIPLE POLICY DISCOUNTS

The full $35 policy fee is applicable onevery E-Z Term policy.

RENEWABLE
This plan is guaranteed renewable every 10
years to age 75. Premiums remain level for
each 10 year period.
CONVERTIBLE
Prior to age 65, this plan may be
converted, without medical evidence, to
any designated permanent plan of
insurance.
RIDERS

There are no riders available with this plan.

MODAL FACTORS

Semi Annual = 0.52
PAC = 0.09


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