LP471

Rate guide
OCTOBER 2014
TermSelect at a glance
Terms
Payment options and modal factors
10-year
Direct billings
20-year
Annual 1.00
30-year
Semi-Annual 0.53
All plans are renewable and convertible.
Quarterly 0.27
Pre-Authorized Debit (PAD)
Issue ages
10-year: Age 070 Years
Age nearest birthday calculation applies.
Minimum issue amount and minimum annual premium

Single life plans $50,000 sum insured and $125 annual premium
(including $50 policy fee)
Joint life plans $100,000 sum insured or $500 annual premium
(including $50 policy fee)
TermSelect riders same minimums as above (less $50 policy fee)
Policy fee
$50 annually per policy, regardless of the number of coverages or insureds
on the policy.
Premium bands
Band 1 $ 50,000 $ 99,999
Band 2 $100,000 $249,999
Quarterly 0.26
Monthly 0.09
Coverage options
Single life
Joint life

First-to-die Maximum five lives
Built-in special options
Single Life Insurance Option
Survivor Option
Additional Death Benefit
Last-to-die Maximum five lives
Built-in special option
Single Life Insurance Option
Multiple life
Up to 17 coverages (combinations of base coverage, riders and optional benefits).
This includes up to five lives on each joint coverage.
Optional benefits
Band 3 $250,000 $499,999
Childrens Insurance
Band 4 $500,000 $999,999
Accidental Death and Dismemberment
Band 5 $1,000,000 $2,499,999
Waiver of Premium
Band 6 $2,500,000 and higher
Payor Waiver of Premium
Combined banding applies automatically when the sums insured of all single and rider coverages are
added together to determine the premium band for each insured life. Combined banding does not apply
to joint coverages.
TermSelect at a glance
Underwriting programs
Renewability
Simplified underwriting
T
ermSelect10 and TermSelect20 plans are renewable every 10 or 20 years,
respectively, to the coverage anniversary nearest the insureds age 80 at
guaranteed renewal rates.
Simplified underwriting is available for applicants who are under the age of 45
and are applying for the sum insured of less than $250,000 and is also available
for those applying for less than $100,000 and are ages 4655.
Regular underwriting
For amounts below $250,000, regular underwriting applies. There are two
regular underwriting classifications:
standard non-smoker
standard smoker
Preferred underwriting
Starting at issue amounts of $250,000 and age 16.
Preferred underwriting classes for face amounts

of $250,000+
1. Elite non-smoker
2. Preferred non-smoker
3. Standard non-smoker
4. Preferred smoker
5. Standard smoker
Please see Transamericas Underwriting Guide (LP1393) for complete details.
T
ermSelect30 plan is renewable at year 30 with level premiums to age 100
with coverage for life.
No medical evidence is required upon renewal.
SelectOptions Available with TermSelect30 stand-alone

products only
The option period to exercise these options begins on the 15th coverage anniversary*
and ends on the date immediately prior to the 20th coverage anniversary.**
Select30 Option
The option provides for a reduced sum insured amount without further premium
payments until the date prior to the 30th coverage anniversary, at which time the
coverage expires.
SelectLife Option
The option provides for a reduced sum insured amount without further premium
payments with coverage for life.
SelectValue Option
The option allows access to a cash value within the policy by written request upon
surrender of the policy
Convertibility
All terms are convertible to the policy anniversary nearest the insureds age 71
to eligible universal plans.
decrease in the sum insured

conversion of the policy to an eligible plan
Attained age and premium rates in effect at the time the policy is converted apply.
Convertible to the same or comparable underwriting class maintain the preferred
underwriting advantage.
No new evidence of insurability required (for an equal amount of coverage).
Partial conversions are available (subject to our then-current administrative guidelines).
Exempt room conversion duration credits are applied when converting to eligible universal
life plans, thereby increasing the first-year maximum premium.
T
ermSelect30 and SelectValue option offers tax-deferred bonus credit to eligible
universal life plans.
Not
available when TermSelect is added as a rider on a universal life plan.
For PAD the client must submit one monthly or quarterly premium and a voided cheque
along with a completed PAD form.

* The 15th coverage anniversary is equal to the first day of the 16th coverage year.
** The 20th coverage anniversary is equal to the first day of the 21st coverage year.
Sample premium calculation
Example 2
Assumptions for this example:
1. Locate the age and face amount band on the rate chart for the proposed life.
$500,000 TermSelect10
2. Multiply the rate per $1,000 by the thousands of face amount.

3. Add any substandard extra rating and/or flat extras, Accidental Death and Dismemberment,
Childrens Rider or other rider premiums. (Please note expiry
dates for riders.)
female, age 40, preferred non-smoker

$250,000 Accidental Death and Dismemberment (AD&D)
Waiver of Premium Rider (WP)
4. Add the $50 policy fee to calculate the total annual premium.
Payment mode: Monthly PAD
5. Calculate the Waiver of Premium as a percentage of the total annual premium.
Rate for.
6. Multiply the total annual premium by the modal factor for the method of
payment selected.
Base coverage

Example 1
Assumptions for this example:
AD&D

$250,000 TermSelect30 with SelectOptions

male, age 30, standard non-smoker
$100,000 Accidental Death and Dismemberment (AD&D)
$30,000 Child Rider (6 units)
Waiver of Premium Rider (WP)
Payment mode: Monthly PAD
Rate for.
Base coverage

AD&D

Add Child Rider
(6 units)

Add Policy Fee
First 30 years
$1.34
x 250
Renewal
$25.80
x 250
$335.00 $6,450.00*
$1.25 $1.25
x 100
x 100
$125.00 $125.00
$6.00
x 30
$6.00
x 30
$180.00 $180
$50.00
$50.00
Annual premium
$690.00
$6,805
Add WP

$0.10
x 690.00
$0.10
x 6,805.00
$69.00 $680.50
Total annual premium

Multiply by PAD factor
$759.00
x .09
$7,485.50
x .09
Monthly PAD premium
$68.31
$673.70
*Guaranteed level renewal premium to age 100.
First 10 years
Renewal (Next 10 years)
$0.39
x 500
$2.92
x 500
$195.00
$1,460.00
$1.25 $1.25
x 250
x 250
$312.50 $312.50
Add Policy Fee
$50.00
Annual premium
$557.50
Add WP

$0.15
x 557.50
$50.00

$1,822.50
$0.15
x 1,822.50
$83.63
$273.38

Multiply by PAD factor
$641.13
x .09
$2,095.88
x .09
Monthly PAD premium
$57.70
$188.63
Rider premium rates
Payor Waiver of Premium
For a complete description of the riders available on TermSelect, please refer to the TermSelect
Product Guide LP469.
Example 1:
Childrens Insurance
The number of years to be waived is 20, the lesser of 25 minus the age of
the child (25 5 = 20) and 65 minus the age of the payor (65 40 = 25).
$6.00 per $1,000 of coverage regardless of the number of children covered. Each unit provides $5,000
of coverage. Maximum $30,000 (6 units) or half the coverage of the same plan, whichever is less.
There is no limit on the number of children who may be covered under the rider.
Total annual premium is $1,000.
Accidental Death and Dismemberment

rate
$1.25
1.30
1.35
1.40
1.45
1.50
issue age (at nearest

birthday)
51
52
53
54
55
Waiver of Premium (WP)

The Waiver of Premium rates are calculated as a percentage of total premium paid.

Male:
10%
Female: 15%
1. Based on the sex of the payor (male), select the appropriate rate table.
2. Locate the payors age (40) in the first column and the number of years the premium
is to be waived (20) from the top row to determine the factor (7.99).
3. Divide the factor by 100 to represent as a percentage (7.99 / 100 = 0.0799).
Rates per $1,000 for both males and females:

issue age (at nearest
birthday)
15 to 45
46
47
48
49
50
The payor is male, age 40, and the insured is age 5.
rate
1.55
1.60
1.65
1.70
1.75
4. Multiply the resulting percentage by the total annual premium

(0.0799 x $1,000 = $79.90).
Base plan premium:
Premium for Payor Waiver of Premium:
Total annual premium:
$1,000.00
$79.90
$1,079.90
Example 2:
The payor is male, age 55, and the insured is age 10.
The number of years to be waived is 10, the lesser of 25 minus the age of
the child (25 10 = 15) and 65 minus the age of the payor (65 55 = 10).
Total annual premium is $1,000.
1. Based on the sex of the payor (male), select the appropriate rate table.
2. Locate the payors age (55) in the first column and the number of years the premium
is to be waived (10) from the top row to determine the factor (15.34).
3. Divide the factor by 100 to represent as a percentage (15.34 / 100 = 0.1534).
4. Multiply the resulting percentage by the total annual premium
(0.1534 x $1,000 = $153.40).
Base plan premium
Premium for Payor Waiver of Premium
$1,000.00
$153.40
$1,153.40
Payor Waiver of Premium on death or disability
Payor Waiver of Premium on death or disability
MALE PAYOR
FEMALE PAYOR
Annual rate as a percentage of premium to be waived
Annual rate as a percentage of premium to be waived

Number of years premiums waived*

Payor
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
1.90
1.95
1.99
2.03
2.07
2.10
2.12
2.14
2.15
2.17
2.21
2.26
2.32
2.39
2.48
2.59
2.71
2.84
2.99
3.17
3.39
3.64
3.90
4.21
4.56
4.98
5.41
5.86
6.38
7.05
7.95
9.07
10.38
11.85
13.51
15.34
1.96
2.01
2.06
2.11
2.16
2.20
2.22
2.25
2.27
2.30
2.34
2.40
2.46
2.53
2.64
2.77
2.92
3.10
3.31
3.54
3.81
4.10
4.39
4.73
5.14
5.65
6.24
6.89
7.63
8.51
9.57
10.81
12.22
13.77
15.49
2.03
2.09
2.15
2.20
2.25
2.30
2.33
2.37
2.39
2.43
2.48
2.55
2.62
2.70
2.82
2.97
3.16
3.38
3.64
3.92
4.25
4.58
4.90
5.29
5.75
6.36
7.08
7.90
8.83
9.88
11.09
12.44
13.94
15.56
2.11
2.17
2.24
2.30
2.35
2.41
2.45
2.49
2.53
2.57
2.64
2.71
2.79
2.88
3.01
3.19
3.41
3.68
3.98
4.31
4.69
5.06
5.44
5.87
6.41
7.10
7.94
8.90
9.98
11.19
12.51
13.95
15.52
2.21
2.27
2.34
2.40
2.46
2.52
2.57
2.62
2.67
2.73
2.80
2.89
2.98
3.08
3.23
3.43
3.68
3.98
4.33
4.70
5.13
5.57
6.00
6.50
7.10
7.87
8.81
9.89
11.09
12.41
13.82
15.34
2.32
2.38
2.45
2.51
2.57
2.64
2.70
2.76
2.82
2.89
2.98
3.08
3.18
3.30
3.47
3.69
3.97
4.31
4.69
5.11
5.59
6.08
6.58
7.15
7.83
8.68
9.70
10.87
12.16
13.56
15.04
2.46
2.51
2.57
2.63
2.69
2.77
2.83
2.90
2.98
3.06
3.17
3.29
3.40
3.54
3.73
3.98
4.28
4.64
5.05
5.50
6.03
6.59
7.18
7.85
8.62
9.55
10.62
11.84
13.17
14.60
*Determined as the lesser of

25 minus the age of the child; and
65 minus the age of the payor.
2.62
2.66
2.71
2.77
2.83
2.90
2.97
3.06
3.15
3.25
3.37
3.51
3.65
3.81
4.02
4.28
4.60
4.98
5.40
5.89
6.47
7.11
7.81
8.60
9.48
10.47
11.58
12.80
14.12
2.79
2.81
2.85
2.91
2.97
3.04
3.12
3.22
3.32
3.44
3.59
3.74
3.90
4.09
4.32
4.61
4.95
5.34
5.77
6.29
6.97
7.64
8.46
9.37
10.36
11.42
12.55
13.75
2.95
2.96
3.00
3.04
3.11
3.18
3.27
3.38
3.50
3.64
3.81
3.98
4.17
4.38
4.63
4.96
5.32
5.73
6.19
6.74
7.41
8.21
9.14
10.15
11.23
12.35
13.49
3.09
3.10
3.13
3.18
3.25
3.33
3.34
3.55
3.69
3.84
4.03
4.23
4.44
4.68
4.96
5.32
5.72
6.17
6.67
7.27
7.99
8.85
9.84
10.92
12.06
13.22
3.21
3.22
3.25
3.31
3.39
3.48
3.59
3.72
3.88
4.05
4.26
4.48
4.71
4.98
5.30
5.69
6.14
6.65
7.22
7.88
8.65
9.55
10.57
11.68
12.85
3.31
3.33
3.37
3.44
3.53
3.63
3.76
3.91
4.07
4.26
4.49
4.74
5.00
5.29
5.64
6.08
6.59
7.17
7.81
8.54
9.36
10.29
11.33
12.44
3.40
3.43
3.49
3.57
3.67
3.79
3.93
4.09
4.27
4.48
4.73
5.00
5.29
5.61
6.00
6.49
7.07
7.73
8.46
9.26
10.14
11.08
12.11
3.48
3.52
3.60
3.69
3.82
3.95
4.11
4.28
4.48
4.70
4.98
5.27
5.58
5.94
6.38
6.91
7.57
8.32
9.15
10.04
10.97
11.92
3.54
3.61
3.71
3.82
3.96
4.12
4.29
4.48
4.69
4.93
5.23
5.55
5.89
6.28
6.76
7.35
8.09
8.95
9.90
10.88
11.86

Number of years premiums waived*

Payor
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
2.28
2.34
2.39
2.44
2.48
2.52
2.54
2.57
2.58
2.60
2.65
2.71
2.78
2.87
2.98
3.11
3.25
3.41
3.59
3.80
4.07
4.37
4.68
5.05
5.47
5.98
6.49
7.03
7.66
8.46
9.54
10.88
12.46
14.22
16.21
18.41
2.35
2.41
2.47
2.53
2.59
2.64
2.66
2.70
2.72
2.76
2.81
2.88
2.95
3.04
3.17
3.32
3.50
3.72
3.97
4.25
4.57
4.92
5.27
5.68
6.17
6.78
7.49
8.27
9.16
10.21
11.48
12.97
14.66
16.52
18.59
2.44
2.51
2.58
2.64
2.70
2.76
2.80
2.84
2.87
2.92
2.98
3.06
3.14
3.24
3.38
3.56
3.79
4.06
4.37
4.70
5.10
5.50
5.88
6.35
6.90
7.63
8.50
9.48
10.60
11.86
13.31
14.93
16.73
18.67
2.53
2.60
2.69
2.76
2.82
2.89
2.94
2.99
3.04
3.08
3.17
3.25
3.35
3.46
3.61
3.83
4.09
4.42
4.78
5.17
5.63
6.07
6.53
7.04
7.69
8.52
9.53
10.68
11.98
13.43
15.01
16.74
18.62
2.65
2.72
2.81
2.88
2.95
3.02
3.08
3.14
3.20
3.28
3.36
3.47
3.58
3.70
3.88
4.12
4.42
4.78
5.20
5.64
6.16
6.68
7.20
7.80
8.52
9.44
10.57
11.87
13.31
14.89
16.58
18.41
2.78
2.86
2.94
3.01
3.08
3.17
3.24
3.31
3.38
3.47
3.58
3.70
3.82
3.96
4.16
4.43
4.76
5.17
5.63
6.13
6.71
7.30
7.90
8.85
9.40
10.42
11.64
13.04
14.59
16.27
18.05
2.95
3.01
3.08
3.16
3.23
3.32
3.40
3.48
3.58
3.67
3.80
3.95
4.08
4.25
4.48
4.78
5.14
5.57
6.06
6.60
7.24
7.91
8.62
9.42
10.34
11.46
12.74
14.21
15.80
17.52
*Determined as the lesser of

25 minus the age of the child; and
65 minus the age of the payor.
3.14
3.19
3.25
3.32
3.40
3.48
3.56
3.67
3.78
3.90
4.04
4.21
4.38
4.57
4.82
5.14
5.52
5.98
6.48
7.07
7.76
8.53
9.37
10.32
11.38
12.56
13.90
15.36
16.94
3.35
3.37
3.42
3.49
3.56
3.65
3.74
3.86
3.98
4.13
4.31
4.49
4.68
4.91
5.18
5.53
5.94
6.41
6.92
7.55
8.29
9.17
10.15
11.24
12.43
13.70
15.06
16.50
3.54
3.55
3.60
3.65
3.73
3.82
3.92
4.06
4.20
4.37
4.57
4.78
5.00
5.26
5.56
5.95
6.38
6.88
7.43
8.09
8.89
9.85
10.97
12.18
13.48
14.82
16.19
3.71
3.72
3.76
3.82
3.90
4.00
4.12
4.26
4.43
4.61
4.84
5.08
5.33
5.62
5.95
6.38
6.86
7.40
8.00
8.72
9.59
10.62
11.81
13.10
14.47
15.86
3.85
3.86
3.90
3.97
4.07
4.18
4.31
4.46
4.66
4.86
5.11
5.38
5.65
5.98
6.36
6.83
7.37
7.98
8.66
9.46
10.38
11.46
12.68
14.02
15.42
3.97
4.00
4.04
4.13
4.24
4.36
4.51
4.69
4.88
5.11
5.11
5.69
6.00
6.35
6.77
7.30
7.91
8.60
9.37
10.25
11.23
12.35
13.60
14.93
4.08
4.12
4.19
4.28
4.40
4.55
4.72
4.91
5.12
5.38
5.39
6.00
6.35
6.73
7.20
7.79
8.48
9.28
10.15
11.11
12.17
13.30
14.53
4.18
4.22
4.32
4.43
4.58
4.74
4.93
5.14
5.38
5.64
5.68
6.32
6.70
7.13
7.66
8.29
9.08
9.98
10.98
12.05
13.16
14.30
4.25
4.33
4.45
4.58
4.75
4.94
5.15
5.38
5.63
5.92
6.28
6.66
7.07
7.54
8.11
8.82
9.71
10.74
11.88
13.06
14.23
Base Plan Rates
TermSelect10 R&C
Rates per $1,000 of coverage.

Add $50 policy fee.
MALE
2.97
-
2.97
1.94
2.97
1.94
2.97
1.94
2.97
1.94
2.97
1.94
2.97
1.94
2.97
1.96
2.97
1.98
2.97
2.01
2.97
2.03
2.97
2.05
2.97
2.12
2.97
2.18
2.97
2.25
2.97
2.33
2.99
2.40
3.04
2.52
3.19
2.64
3.35
2.77
3.56
2.90
3.80
3.04
4.00
3.30
4.19
3.59
4.45
3.90
4.81
4.24
5.22
4.61
5.60
5.05
6.01
5.54
6.46
6.07
6.97
6.65
7.49
7.29
8.15
7.97
8.84
8.71
9.52
9.52
10.31
10.41
11.18
11.38
12.13
12.40
13.01
13.51
14.02
14.73
15.28
16.05
16.59
17.49
17.95
18.87
19.64
20.35
21.36
21.95
23.27
23.68
24.72
25.54
26.24
28.17
28.55
31.06
31.03
34.26
35.06
37.78
40.86
41.67
46.99
54.04
62.14
71.46
82.18
94.51
108.69
124.99
143.74
TermSelect10 R&C
MALE
Use age nearest birthday.
For Child Rider: $6.00 per $1,000 of coverage.
Add $50 policy fee.

$50,000$99,999
$100,000$249,999
Issue Regular
Regular
age NON-SMOKER
SMOKER
NON-SMOKER
SMOKER
Initial Renewal Initial Renewal Initial Renewal Initial Renewal
0-15
1.54
16-20
1.27
21
1.27
22
1.27
23
1.27
24
1.27
25
1.27
26
1.28
27
1.28
28
1.29
29
1.29
30
1.30
31
1.32
32
1.34
33
1.36
34
1.38
35
1.40
36
1.45
37
1.50
38
1.55
39
1.60
40
1.65
41
1.70
42
1.75
43
1.80
44
1.85
45
1.91
46
2.08
47
2.26
48
2.45
49
2.67
50
2.90
51
3.17
52
3.46
53
3.78
54
4.14
55
4.52
56
4.99
57
5.50
58
6.07
59
6.70
60
7.39
61
8.18
62
9.06
63
10.04
64
11.12
65
12.31
66
13.54
67
14.90
68
16.40
69
18.04
70
19.85
71
72
73
74
75
76
77
78
79
Base Plan Rates
-
0.92
-
0.73
-
0.73
-
0.73
-
0.73
-
0.73
-
0.73
4.39
0.73
4.39
0.73
4.39
0.74
4.39
0.74
4.41
0.74
4.46
0.74
4.57
0.74
4.71
0.74
4.84
0.74
4.99
0.74
5.17
0.75
5.36
0.76
5.69
0.78
6.16
0.79
6.62
0.80
7.24
0.87
7.81
0.95
8.44
1.03
9.05
1.12
9.74
1.22
10.62
1.33
11.47
1.44
12.37
1.57
13.55
1.71
14.99
1.86
16.62
2.06
18.22
2.28
19.84
2.53
21.22
2.81
22.30
3.11
23.85
3.45
25.65
3.83
27.54
4.24
29.75
4.71
32.15
5.22
34.56
5.84
37.49
6.53
40.52
7.31
43.92
8.18
47.75
9.15
52.05
10.46
57.41
11.96
62.46
13.67
67.82
15.62
74.07
17.86
85.18
97.96
112.65
129.55
148.98
171.33
197.03
226.58
260.57
2.34
-
2.34
1.14
2.34
1.14
2.34
1.14
2.34
1.14
2.34
1.14
2.34
1.14
2.34
1.15
2.34
1.16
2.34
1.18
2.34
1.19
2.34
1.20
2.35
1.23
2.38
1.26
2.41
1.29
2.44
1.32
2.50
1.35
2.61
1.45
2.74
1.56
2.88
1.68
3.02
1.81
3.17
1.95
3.38
2.18
3.56
2.44
3.76
2.72
3.96
3.04
4.25
3.40
4.59
3.75
4.99
4.14
5.38
4.56
5.78
5.03
6.28
5.55
6.80
6.12
7.36
6.75
7.94
7.44
8.48
8.21
9.09
9.05
9.83
9.96
10.65
10.95
11.50
12.05
12.58
13.25
13.77
14.58
15.13
16.02
16.78
17.61
18.54
19.36
20.59
21.27
22.74
23.38
25.01
25.48
27.11
27.76
29.97
30.25
34.29
32.96
40.14
35.91
46.16
53.09
61.05
70.21
80.74
92.85
106.77
122.79
141.21
3.67
3.67
3.69
3.73
3.78
3.87
3.96
4.05
4.14
4.23
4.48
4.73
5.02
5.36
5.76
6.25
6.77
7.27
7.83
8.50
9.29
10.17
11.20
12.35
13.70
15.02
16.38
17.82
19.28
20.72
22.82
25.31
27.43
29.62
32.02
34.42
37.34
40.36
43.77
47.60
51.90
57.04
62.22
67.65
73.84
85.03
97.79
112.45
129.32
148.72
171.03
196.68
226.18
260.11
$250,000$499,999
Issue Elite
Preferred Standard Preferred Standard
age NON-SMOKER NON-SMOKER NON-SMOKER SMOKER
SMOKER
Initial Renewal Initial Renewal Initial Renewal Initial Renewal Initial Renewal
0-15
-
16-20
0.40
21
0.40
22
0.40
23
0.40
24
0.40
25
0.40
26
0.39
27
0.38
28
0.37
29
0.36
30
0.35
31
0.35
32
0.35
33
0.35
34
0.35
35
0.35
36
0.38
37
0.40
38
0.43
39
0.47
40
0.50
41
0.55
42
0.61
43
0.67
44
0.74
45
0.82
46
0.89
47
0.97
48
1.06
49
1.15
50
1.25
51
1.39
52
1.55
53
1.73
54
1.93
55
2.15
56
2.40
57
2.69
58
3.00
59
3.36
60
3.75
61
4.17
62
4.64
63
5.17
64
5.75
65
6.40
66
7.21
67
8.12
68
9.15
69
10.31
70
11.61
71
72
73
74
75
76
77
78
79
-
-
-
0.50
-
0.50
-
0.50
-
0.50
-
0.50
-
0.50
1.31
0.50
1.31
0.49
1.31
0.49
1.31
0.48
1.31
0.48
1.31
0.48
1.33
0.48
1.33
0.49
1.37
0.49
1.44
0.49
1.52
0.52
1.62
0.55
1.73
0.58
1.87
0.61
2.02
0.65
2.18
0.71
2.34
0.77
2.54
0.84
2.77
0.92
3.02
1.00
3.24
1.10
3.44
1.20
3.65
1.32
3.87
1.44
4.09
1.58
4.37
1.75
4.66
1.95
4.99
2.16
5.33
2.40
5.69
2.67
6.23
2.97
6.80
3.30
7.45
3.67
8.17
4.08
8.95
4.53
9.86
5.02
10.91
5.56
12.04
6.16
13.36
6.82
14.89
7.56
16.61
8.57
18.40
9.72
20.38
11.02
22.81
12.50
26.73
14.17
30.74
35.35
40.65
46.75
53.76
61.83
71.10
81.77
94.03
-
0.90
-
0.53
-
0.53
-
0.53
-
0.54
-
0.54
-
0.54
1.46
0.53
1.46
0.52
1.46
0.51
1.46
0.50
1.46
0.49
1.47
0.49
1.48
0.49
1.49
0.50
1.51
0.50
1.55
0.50
1.63
0.53
1.74
0.56
1.85
0.59
1.98
0.62
2.13
0.66
2.32
0.72
2.50
0.79
2.72
0.87
2.95
0.96
3.20
1.05
3.47
1.15
3.78
1.26
4.09
1.37
4.39
1.50
4.72
1.64
5.08
1.84
5.53
2.06
5.92
2.31
6.39
2.59
6.86
2.91
7.51
3.26
8.21
3.66
9.00
4.10
9.85
4.59
10.78
5.15
11.92
5.75
13.19
6.42
14.58
7.16
16.11
7.99
17.71
8.92
19.57
9.90
21.58
10.99
23.83
12.20
26.50
13.55
31.66
15.04
36.41
41.87
48.15
55.37
63.68
73.23
84.22
96.85
111.38
1.85
-
1.85
0.79
1.85
0.79
1.85
0.79
1.85
0.79
1.85
0.79
1.85
0.79
1.85
0.80
1.85
0.81
1.86
0.81
1.87
0.82
1.89
0.83
1.91
0.84
1.93
0.86
1.95
0.87
1.98
0.89
2.02
0.90
2.09
0.96
2.20
1.02
2.32
1.08
2.45
1.15
2.61
1.22
2.79
1.35
2.99
1.50
3.20
1.67
3.45
1.85
3.72
2.05
4.01
2.24
4.41
2.45
4.82
2.68
5.22
2.93
5.62
3.20
6.14
3.57
6.66
3.97
7.18
4.43
7.76
4.94
8.43
5.50
9.22
6.14
10.21
6.85
11.21
7.65
12.30
8.54
13.39
9.53
14.96
10.60
16.72
11.79
18.49
13.11
20.47
14.58
22.14
16.22
23.80
17.71
25.13
19.34
27.74
21.12
31.01
23.06
36.70
25.18
42.21
48.54
55.82
64.19
73.82
84.89
97.62
112.27
129.11
-
-
-
0.99
-
0.99
-
0.99
-
0.99
-
0.99
-
0.99
2.47
0.99
2.47
1.00
2.47
1.00
2.47
1.01
2.47
1.01
2.48
1.04
2.50
1.06
2.52
1.09
2.54
1.12
2.56
1.15
2.63
1.24
2.70
1.34
2.83
1.45
2.97
1.57
3.13
1.70
3.35
1.89
3.58
2.10
3.85
2.33
4.10
2.59
4.39
2.88
4.70
3.24
5.11
3.64
5.54
4.10
6.03
4.61
6.50
5.18
7.09
5.73
7.66
6.34
8.33
7.02
9.13
7.76
10.08
8.59
11.15
9.51
12.19
10.54
13.25
11.67
14.36
12.92
15.78
14.31
17.48
15.59
19.31
16.98
21.24
18.50
23.51
20.16
26.24
21.96
29.00
23.83
31.63
25.86
34.06
28.07
37.42
30.46
42.95
33.06
49.39
56.80
65.32
75.12
86.39
99.35
114.25
131.39
151.09
3.13
3.13
3.13
3.13
3.15
3.26
3.37
3.49
3.65
3.82
4.03
4.28
4.55
4.84
5.17
5.56
5.98
6.44
6.97
7.54
8.14
8.87
9.67
10.59
11.59
12.73
14.00
15.37
16.88
18.58
20.52
22.78
25.26
27.83
30.56
33.34
36.58
39.71
42.75
46.44
50.42
54.72
60.05
66.13
72.18
83.01
95.46
109.78
126.24
145.18
166.96
192.00
220.80
253.92
Base Plan Rates
TermSelect10 R&C
MALE
Base Plan Rates
TermSelect10 R&C
MALE
Add $50 policy fee.
Add $50 policy fee.
$500,000$999,999
Issue Elite
SMOKER
$1,000,000$2,499,999
Issue Elite
SMOKER
0-15
-
16-20
0.37
21
0.37
22
0.37
23
0.37
24
0.37
25
0.37
26
0.36
27
0.35
28
0.34
29
0.33
30
0.32
31
0.32
32
0.32
33
0.32
34
0.32
35
0.32
36
0.34
37
0.36
38
0.39
39
0.41
40
0.44
41
0.48
42
0.52
43
0.56
44
0.61
45
0.66
46
0.73
47
0.81
48
0.90
49
0.99
50
1.10
51
1.23
52
1.37
53
1.54
54
1.72
55
1.92
56
2.16
57
2.42
58
2.72
59
3.06
60
3.44
61
3.88
62
4.37
63
4.93
64
5.55
65
6.26
66
7.05
67
7.94
68
8.94
69
10.07
70
11.34
71
72
73
74
75
76
77
78
79
0-15
-
16-20
0.34
21
0.34
22
0.34
23
0.34
24
0.34
25
0.34
26
0.33
27
0.33
28
0.32
29
0.32
30
0.31
31
0.31
32
0.31
33
0.31
34
0.31
35
0.31
36
0.33
37
0.35
38
0.38
39
0.40
40
0.43
41
0.47
42
0.50
43
0.55
44
0.59
45
0.64
46
0.71
47
0.79
48
0.88
49
0.98
50
1.09
51
1.21
52
1.35
53
1.50
54
1.66
55
1.85
56
2.09
57
2.37
58
2.68
59
3.03
60
3.43
61
3.86
62
4.34
63
4.88
64
5.49
65
6.17
66
6.96
67
7.84
68
8.84
69
9.97
70
11.24
71
72
73
74
75
76
77
78
79
-
-
-
0.45
-
0.45
-
0.45
-
0.46
-
0.46
-
0.46
1.17
0.46
1.17
0.45
1.17
0.45
1.17
0.44
1.17
0.44
1.17
0.44
1.18
0.44
1.20
0.44
1.22
0.44
1.25
0.44
1.30
0.47
1.37
0.50
1.47
0.53
1.57
0.56
1.66
0.60
1.80
0.66
1.96
0.72
2.14
0.79
2.32
0.87
2.50
0.95
2.74
1.05
2.97
1.15
3.20
1.26
3.45
1.39
3.65
1.53
3.87
1.70
4.18
1.89
4.52
2.10
4.88
2.34
5.29
2.60
5.81
2.88
6.41
3.19
7.09
3.53
7.90
3.90
8.68
4.32
9.50
4.81
10.58
5.35
11.83
5.96
13.19
6.64
14.57
7.39
16.31
8.36
18.13
9.47
20.11
10.72
22.46
12.13
26.59
13.73
30.58
35.17
40.44
46.51
53.48
61.50
70.73
81.34
93.54
-
0.85
-
0.46
-
0.46
-
0.46
-
0.47
-
0.47
-
0.47
1.33
0.47
1.33
0.46
1.33
0.46
1.33
0.45
1.33
0.45
1.34
0.45
1.35
0.45
1.37
0.45
1.39
0.45
1.41
0.45
1.46
0.48
1.53
0.51
1.60
0.54
1.69
0.57
1.82
0.61
2.00
0.67
2.18
0.74
2.39
0.81
2.63
0.89
2.88
0.98
3.10
1.08
3.35
1.18
3.64
1.30
3.92
1.42
4.21
1.56
4.49
1.75
4.86
1.97
5.33
2.22
5.81
2.49
6.28
2.80
7.06
3.13
7.81
3.50
8.77
3.91
9.63
4.37
10.62
4.88
11.64
5.50
12.65
6.19
13.84
6.97
15.14
7.85
16.92
8.84
18.63
9.83
20.72
10.93
22.90
12.16
26.06
13.52
31.63
15.03
36.37
41.83
48.11
55.32
63.62
73.16
84.14
96.76
111.27
1.53
-
1.53
0.78
1.53
0.77
1.53
0.76
1.53
0.76
1.53
0.75
1.53
0.74
1.53
0.75
1.53
0.76
1.53
0.77
1.53
0.78
1.53
0.79
1.53
0.80
1.55
0.81
1.58
0.83
1.62
0.84
1.67
0.85
1.77
0.91
1.87
0.98
1.98
1.05
2.11
1.13
2.26
1.21
2.45
1.33
2.65
1.47
2.83
1.62
3.06
1.78
3.28
1.96
3.60
2.14
3.94
2.33
4.32
2.54
4.73
2.77
5.17
3.02
5.65
3.37
6.16
3.77
6.64
4.21
7.29
4.71
7.85
5.26
8.55
5.82
9.44
6.44
10.50
7.12
11.76
7.88
13.15
8.72
14.71
9.83
16.39
11.08
17.64
12.49
19.17
14.09
20.70
15.88
22.36
17.41
24.37
19.09
26.93
20.93
30.82
22.95
36.45
25.17
41.92
48.21
55.44
63.75
73.31
84.31
96.96
111.50
128.23
-
-
-
0.98
-
0.98
-
0.97
-
0.97
-
0.96
-
0.96
2.09
0.96
2.09
0.97
2.09
0.97
2.10
0.98
2.11
0.98
2.12
1.00
2.14
1.03
2.16
1.05
2.18
1.07
2.21
1.10
2.27
1.19
2.41
1.29
2.56
1.39
2.72
1.51
2.90
1.63
3.10
1.81
3.33
2.02
3.56
2.25
3.83
2.50
4.13
2.78
4.48
3.13
4.90
3.52
5.33
3.96
5.78
4.45
6.21
5.01
6.68
5.57
7.31
6.18
8.07
6.87
8.89
7.63
9.83
8.48
11.00
9.40
12.03
10.42
13.16
11.56
14.24
12.82
15.47
14.21
17.03
15.47
19.06
16.85
21.11
18.34
23.15
19.97
25.46
21.75
27.49
23.65
29.92
25.71
32.49
27.95
34.90
30.39
38.29
33.04
44.03
50.64
58.23
66.97
77.01
88.57
101.85
117.13
134.70
2.54
2.54
2.54
2.54
2.57
2.68
2.81
2.97
3.13
3.29
3.58
3.91
4.25
4.52
4.90
5.29
5.71
6.17
6.66
7.24
7.78
8.35
9.04
9.87
10.80
11.83
13.01
14.27
15.71
17.30
18.94
20.66
22.57
24.86
27.37
30.06
32.89
35.57
38.43
41.83
45.83
50.29
55.24
60.61
70.06
80.57
92.65
106.55
122.54
140.92
162.05
186.36
214.32
246.46
-
-
-
0.44
-
0.44
-
0.44
-
0.44
-
0.44
-
0.44
1.13
0.43
1.13
0.43
1.13
0.42
1.13
0.42
1.13
0.41
1.13
0.41
1.15
0.41
1.17
0.41
1.19
0.41
1.22
0.41
1.26
0.44
1.33
0.46
1.42
0.49
1.51
0.53
1.62
0.56
1.75
0.62
1.89
0.69
2.06
0.76
2.23
0.85
2.45
0.94
2.65
1.02
2.86
1.11
3.10
1.21
3.33
1.32
3.53
1.44
3.83
1.62
4.16
1.81
4.50
2.03
4.82
2.28
5.22
2.56
5.78
2.84
6.37
3.15
6.98
3.49
7.69
3.87
8.54
4.29
9.43
4.77
10.55
5.30
11.79
5.89
13.12
6.55
14.52
7.28
16.24
8.26
18.04
9.37
20.02
10.63
22.19
12.07
26.51
13.69
30.49
35.06
40.32
46.37
53.32
61.32
70.52
81.09
93.26
-
0.84
-
0.45
-
0.45
-
0.45
-
0.45
-
0.45
-
0.45
1.30
0.44
1.30
0.44
1.30
0.43
1.30
0.43
1.30
0.42
1.31
0.42
1.33
0.42
1.35
0.42
1.37
0.42
1.39
0.42
1.44
0.45
1.50
0.48
1.57
0.51
1.67
0.54
1.80
0.58
1.93
0.64
2.12
0.71
2.32
0.78
2.53
0.86
2.74
0.95
2.97
1.05
3.19
1.15
3.47
1.27
3.73
1.40
4.07
1.54
4.43
1.73
4.84
1.95
5.27
2.20
5.74
2.47
6.26
2.78
7.04
3.11
7.78
3.48
8.53
3.89
9.27
4.35
10.19
4.87
11.32
5.47
12.51
6.13
13.78
6.88
15.05
7.73
16.54
8.67
18.47
9.68
20.56
10.80
22.84
12.06
25.92
13.46
31.52
15.02
36.25
41.69
47.94
55.13
63.40
72.91
83.84
96.42
110.88
1.48
-
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.73
1.48
0.75
1.49
0.77
1.52
0.79
1.56
0.82
1.61
0.84
1.69
0.89
1.78
0.94
1.89
0.99
2.00
1.05
2.12
1.11
2.32
1.24
2.54
1.38
2.77
1.54
3.01
1.72
3.26
1.92
3.58
2.10
3.91
2.29
4.30
2.50
4.63
2.74
4.91
2.99
5.23
3.33
5.60
3.70
6.01
4.12
6.57
4.59
7.31
5.11
8.14
5.69
9.16
6.32
10.32
7.04
11.46
7.83
12.64
8.71
14.17
9.80
15.80
11.02
17.24
12.40
18.95
13.95
20.58
15.69
22.18
17.24
24.01
18.95
26.71
20.83
30.74
22.89
36.22
25.16
41.65
47.90
55.09
63.35
72.85
83.78
96.35
110.80
127.42
-
-
-
0.93
-
0.93
-
0.93
-
0.92
-
0.92
-
0.92
1.87
0.93
1.87
0.93
1.87
0.94
1.87
0.94
1.87
0.95
1.87
0.97
1.88
0.99
1.89
1.01
1.94
1.04
2.05
1.06
2.20
1.15
2.34
1.25
2.48
1.35
2.61
1.47
2.75
1.59
2.92
1.77
3.10
1.97
3.34
2.19
3.60
2.44
3.91
2.72
4.25
3.03
4.66
3.37
5.09
3.75
5.57
4.17
6.10
4.64
6.66
5.22
7.27
5.88
7.95
6.62
8.74
7.46
9.71
8.40
10.81
9.33
11.90
10.36
13.05
11.51
14.00
12.78
15.32
14.19
16.98
15.43
18.83
16.77
20.88
18.23
23.09
19.81
25.26
21.54
27.29
23.43
29.72
25.48
32.26
27.71
34.81
30.13
38.18
32.77
43.91
50.49
58.07
66.78
76.79
88.31
101.56
116.79
134.31
2.50
2.50
2.50
2.50
2.56
2.64
2.72
2.86
3.01
3.20
3.46
3.76
4.10
4.45
4.75
5.15
5.59
6.08
6.57
7.11
7.69
8.26
8.98
9.78
10.73
11.78
12.95
14.21
15.64
17.23
18.76
20.50
22.43
24.67
27.13
29.63
32.06
35.03
37.94
41.31
45.13
49.41
54.52
59.89
68.02
78.22
89.96
103.45
118.97
136.81
157.33
180.93
208.07
239.29
Base Plan Rates
TermSelect10 R&C
MALE
Add $50 policy fee.
$2,500,000+
Issue Elite
SMOKER
0-15
-
16-20
0.33
21
0.33
22
0.33
23
0.33
24
0.33
25
0.33
26
0.32
27
0.32
28
0.31
29
0.31
30
0.30
31
0.30
32
0.30
33
0.30
34
0.30
35
0.30
36
0.32
37
0.34
38
0.37
39
0.39
40
0.42
41
0.46
42
0.49
43
0.54
44
0.58
45
0.63
46
0.70
47
0.78
48
0.87
49
0.97
50
1.08
51
1.20
52
1.33
53
1.48
54
1.64
55
1.82
56
2.06
57
2.34
58
2.66
59
3.01
60
3.42
61
3.85
62
4.33
63
4.87
64
5.48
65
6.16
66
6.95
67
7.83
68
8.83
69
9.96
70
11.23
71
72
73
74
75
76
77
78
79
-
-
-
0.39
-
0.39
-
0.39
-
0.40
-
0.40
-
0.40
1.11
0.40
1.11
0.40
1.11
0.40
1.11
0.40
1.11
0.40
1.11
0.40
1.13
0.40
1.15
0.40
1.17
0.40
1.20
0.40
1.24
0.43
1.31
0.45
1.40
0.48
1.49
0.52
1.60
0.55
1.72
0.61
1.86
0.67
2.03
0.74
2.20
0.82
2.41
0.90
2.61
0.99
2.82
1.08
3.05
1.19
3.28
1.30
3.48
1.43
3.77
1.61
4.10
1.80
4.43
2.02
4.75
2.27
5.14
2.55
5.69
2.83
6.28
3.14
6.88
3.48
7.58
3.86
8.41
4.28
9.29
4.76
10.39
5.29
11.62
5.88
12.93
6.54
14.31
7.27
16.00
8.25
17.77
9.36
19.72
10.62
21.86
12.06
26.12
13.68
30.04
34.54
39.72
45.69
52.53
60.41
69.48
79.89
91.88
-
0.83
-
0.40
-
0.40
-
0.40
-
0.41
-
0.41
-
0.41
1.29
0.41
1.29
0.41
1.29
0.41
1.29
0.41
1.29
0.41
1.30
0.41
1.32
0.41
1.34
0.41
1.36
0.41
1.38
0.41
1.43
0.44
1.49
0.47
1.56
0.50
1.66
0.53
1.79
0.57
1.92
0.63
2.11
0.70
2.30
0.77
2.51
0.85
2.72
0.94
2.95
1.04
3.17
1.14
3.45
1.26
3.71
1.39
4.04
1.53
4.40
1.72
4.81
1.92
5.23
2.16
5.70
2.42
6.22
2.71
6.99
3.05
7.73
3.42
8.47
3.85
9.21
4.32
10.12
4.86
11.24
5.46
12.43
6.12
13.69
6.87
14.95
7.72
16.43
8.66
18.35
9.67
20.42
10.79
22.69
12.05
25.75
13.45
31.31
15.01
36.01
41.41
47.62
54.76
62.98
72.42
83.28
95.78
110.14
1.47
-
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.72
1.47
0.74
1.48
0.76
1.51
0.78
1.55
0.81
1.60
0.83
1.68
0.88
1.77
0.93
1.88
0.98
1.99
1.04
2.11
1.10
2.31
1.23
2.52
1.37
2.75
1.53
2.99
1.71
3.24
1.91
3.56
2.09
3.89
2.28
4.27
2.49
4.60
2.73
4.88
2.98
5.20
3.32
5.57
3.69
5.97
4.11
6.53
4.58
7.26
5.10
8.09
5.67
9.10
6.31
10.26
7.03
11.39
7.82
12.56
8.70
14.08
9.77
15.70
10.97
17.13
12.31
18.83
13.82
20.45
15.52
22.04
17.09
23.86
18.83
26.55
20.73
30.55
22.84
36.00
25.15
41.39
47.60
54.75
62.96
72.40
83.26
95.75
110.12
126.63
-
-
-
0.92
-
0.92
-
0.92
-
0.91
-
0.91
-
0.91
1.86
0.92
1.86
0.92
1.86
0.93
1.86
0.93
1.86
0.94
1.86
0.96
1.87
0.98
1.88
1.00
1.93
1.03
2.04
1.05
2.19
1.14
2.33
1.24
2.47
1.34
2.60
1.46
2.73
1.58
2.90
1.76
3.08
1.96
3.32
2.18
3.58
2.43
3.89
2.71
4.23
3.02
4.63
3.36
5.06
3.74
5.54
4.16
6.07
4.63
6.62
5.21
7.23
5.87
7.91
6.61
8.69
7.45
9.66
8.39
10.75
9.32
11.83
10.35
12.98
11.50
13.92
12.77
15.24
14.18
16.89
15.42
18.73
16.76
20.77
18.22
22.96
19.80
25.12
21.53
27.14
23.42
29.56
25.47
32.08
27.70
34.62
30.12
37.97
32.76
43.67
50.21
57.75
66.41
76.37
87.82
101.00
116.15
133.57
2.49
2.49
2.49
2.49
2.55
2.63
2.71
2.85
3.00
3.19
3.45
3.75
4.09
4.44
4.74
5.14
5.58
6.06
6.55
7.09
7.67
8.24
8.96
9.75
10.70
11.75
12.92
14.17
15.60
17.19
18.71
20.45
22.37
24.61
27.06
29.55
31.98
34.94
37.84
41.20
45.01
49.28
54.38
59.74
67.84
78.02
89.73
103.18
118.66
136.46
156.92
180.46
207.53
238.67
Base Plan Rates
TermSelect10 R&C
FEMALE
Base Plan Rates
TermSelect10 R&C
FEMALE
Add $50 policy fee.
Add $50 policy fee.

$50,000$99,999
$100,000$249,999
Issue Regular
Regular
age NON-SMOKER
SMOKER
NON-SMOKER
SMOKER
$250,000$499,999
Issue Elite
SMOKER
0-15
1.00
16-20
0.85
21
0.85
22
0.85
23
0.85
24
0.85
25
0.85
26
0.87
27
0.88
28
0.90
29
0.92
30
0.94
31
0.98
32
1.02
33
1.06
34
1.10
35
1.14
36
1.20
37
1.26
38
1.32
39
1.39
40
1.46
41
1.47
42
1.47
43
1.48
44
1.48
45
1.49
46
1.63
47
1.77
48
1.93
49
2.11
50
2.30
51
2.46
52
2.63
53
2.82
54
3.02
55
3.23
56
3.55
57
3.90
58
4.29
59
4.71
60
5.18
61
5.70
62
6.28
63
6.91
64
7.60
65
8.37
66
9.41
67
10.59
68
11.91
69
13.40
70
15.07
71
72
73
74
75
76
77
78
79
0-15
-
16-20
0.26
21
0.26
22
0.26
23
0.26
24
0.26
25
0.26
26
0.26
27
0.26
28
0.25
29
0.25
30
0.25
31
0.25
32
0.25
33
0.25
34
0.25
35
0.25
36
0.27
37
0.30
38
0.32
39
0.35
40
0.38
41
0.41
42
0.43
43
0.46
44
0.50
45
0.53
46
0.58
47
0.64
48
0.71
49
0.78
50
0.86
51
0.95
52
1.06
53
1.18
54
1.31
55
1.45
56
1.62
57
1.81
58
2.02
59
2.25
60
2.51
61
2.78
62
3.07
63
3.39
64
3.75
65
4.15
66
4.78
67
5.50
68
6.33
69
7.28
70
8.38
71
72
73
74
75
76
77
78
79
2.21
-
2.21
1.21
2.21
1.21
2.21
1.20
2.21
1.20
2.21
1.19
2.21
1.19
2.21
1.22
2.21
1.25
2.21
1.28
2.21
1.32
2.22
1.35
2.27
1.43
2.32
1.51
2.38
1.60
2.45
1.70
2.52
1.80
2.59
1.92
2.66
2.05
2.74
2.19
2.81
2.33
2.93
2.49
3.04
2.65
3.22
2.82
3.46
3.00
3.69
3.19
3.94
3.39
4.19
3.63
4.48
3.88
4.75
4.15
5.09
4.43
5.45
4.74
5.89
5.11
6.37
5.50
6.84
5.93
7.36
6.39
7.85
6.89
8.32
7.49
8.91
8.15
9.56
8.87
10.30
9.64
11.23
10.49
12.24
11.34
13.34
12.26
14.65
13.25
16.07
14.33
17.55
15.49
19.51
16.74
21.83
18.09
24.46
19.55
27.43
21.13
31.34
22.83
36.04
41.45
47.66
54.81
63.04
72.49
83.37
95.87
110.25
-
0.55
-
0.47
-
0.47
-
0.47
-
0.47
-
0.47
-
0.47
3.23
0.47
3.26
0.47
3.29
0.48
3.33
0.48
3.39
0.48
3.46
0.50
3.53
0.51
3.61
0.53
3.69
0.55
3.79
0.57
3.96
0.60
4.16
0.63
4.48
0.67
4.79
0.70
5.17
0.74
5.53
0.76
5.89
0.77
6.21
0.79
6.59
0.81
7.03
0.83
7.65
0.90
8.14
0.98
8.66
1.07
9.29
1.16
10.07
1.26
11.01
1.42
12.11
1.61
13.23
1.82
14.41
2.05
15.57
2.32
16.74
2.55
17.78
2.80
18.65
3.07
19.59
3.37
20.46
3.70
21.69
4.08
23.38
4.49
25.56
4.95
28.02
5.45
30.40
6.01
32.65
6.90
35.22
7.93
39.13
9.11
43.58
10.46
48.47
12.02
55.74
64.10
73.72
84.77
97.49
112.11
128.93
148.27
170.51
1.78
-
1.78
0.62
1.78
0.62
1.78
0.62
1.78
0.62
1.78
0.62
1.78
0.62
1.78
0.64
1.81
0.67
1.85
0.69
1.89
0.71
1.93
0.74
1.97
0.78
2.01
0.81
2.05
0.85
2.10
0.90
2.15
0.94
2.21
1.02
2.34
1.11
2.47
1.20
2.61
1.31
2.78
1.42
2.93
1.54
3.08
1.67
3.25
1.82
3.38
1.97
3.56
2.14
3.73
2.33
3.89
2.54
4.06
2.76
4.23
3.00
4.44
3.27
4.72
3.55
5.08
3.85
5.45
4.18
5.78
4.54
6.26
4.93
6.91
5.45
7.63
6.02
8.24
6.65
8.82
7.34
9.41
8.11
10.10
8.81
10.84
9.56
11.65
10.38
12.67
11.27
13.86
12.24
15.50
13.53
17.31
14.96
19.25
16.54
22.69
18.29
28.13
20.22
32.35
37.20
42.78
49.20
56.58
65.07
74.83
86.05
98.96
2.97
3.02
3.08
3.14
3.21
3.28
3.36
3.44
3.52
3.62
3.80
4.00
4.24
4.50
4.77
5.02
5.31
5.62
5.98
6.30
6.66
7.07
7.47
7.94
8.39
8.98
9.61
10.26
11.23
12.28
13.23
14.42
15.79
17.37
18.91
20.18
21.46
22.55
23.92
25.88
28.30
31.50
35.26
39.83
46.87
53.90
61.99
71.28
81.98
94.27
108.41
124.68
143.38
164.88
-
-
-
0.28
-
0.28
-
0.28
-
0.29
-
0.29
-
0.29
1.08
0.30
1.08
0.30
1.09
0.31
1.10
0.31
1.12
0.32
1.14
0.33
1.16
0.34
1.18
0.34
1.20
0.35
1.22
0.36
1.25
0.38
1.29
0.41
1.35
0.44
1.42
0.47
1.50
0.50
1.60
0.54
1.73
0.58
1.84
0.62
1.96
0.66
2.07
0.71
2.21
0.78
2.36
0.85
2.52
0.93
2.70
1.02
2.88
1.11
3.08
1.24
3.29
1.38
3.51
1.55
3.74
1.73
4.01
1.93
4.37
2.13
4.74
2.35
5.09
2.60
5.45
2.87
5.92
3.17
6.61
3.50
7.15
3.86
7.67
4.26
8.23
4.70
8.97
5.18
10.26
5.96
11.95
6.85
13.63
7.88
16.25
9.06
20.05
10.42
23.06
26.52
30.49
35.07
40.33
46.38
53.33
61.33
70.53
-
0.41
-
0.33
-
0.33
-
0.33
-
0.33
-
0.33
-
0.33
1.10
0.33
1.10
0.33
1.10
0.33
1.12
0.33
1.14
0.33
1.17
0.34
1.20
0.35
1.23
0.35
1.26
0.36
1.29
0.37
1.33
0.40
1.39
0.42
1.48
0.45
1.57
0.49
1.67
0.52
1.78
0.55
1.91
0.59
2.03
0.63
2.17
0.67
2.32
0.72
2.47
0.79
2.65
0.87
2.83
0.95
3.01
1.05
3.25
1.15
3.53
1.29
3.89
1.45
4.30
1.63
4.70
1.83
5.04
2.05
5.38
2.28
5.74
2.54
6.12
2.84
6.53
3.16
6.97
3.52
7.56
3.90
8.19
4.32
8.87
4.79
9.59
5.31
10.47
5.88
11.83
6.68
13.48
7.58
15.46
8.61
17.78
9.78
22.09
11.11
25.40
29.21
33.60
38.64
44.43
51.10
58.76
67.57
77.71
1.44
-
1.44
0.46
1.44
0.46
1.44
0.46
1.44
0.46
1.44
0.46
1.44
0.46
1.44
0.47
1.45
0.48
1.46
0.49
1.47
0.50
1.48
0.51
1.49
0.54
1.51
0.57
1.53
0.61
1.57
0.64
1.62
0.68
1.73
0.74
1.85
0.80
1.96
0.86
2.09
0.93
2.20
1.01
2.30
1.09
2.43
1.18
2.59
1.27
2.79
1.37
2.97
1.48
3.15
1.62
3.37
1.77
3.60
1.93
3.85
2.11
4.20
2.31
4.52
2.52
4.86
2.75
5.18
3.00
5.53
3.28
6.05
3.58
6.48
3.99
7.11
4.44
7.72
4.94
8.30
5.50
8.89
6.12
9.50
6.63
10.13
7.19
11.02
7.79
12.19
8.44
13.36
9.15
14.56
10.13
16.09
11.21
18.61
12.41
22.34
13.73
27.04
15.20
31.10
35.76
41.12
47.29
54.39
62.55
71.93
82.72
95.12
-
-
-
0.54
-
0.54
-
0.54
-
0.54
-
0.54
-
0.54
1.69
0.55
1.71
0.56
1.73
0.57
1.76
0.58
1.79
0.59
1.82
0.63
1.86
0.67
1.91
0.71
1.96
0.76
2.05
0.81
2.18
0.88
2.30
0.97
2.43
1.06
2.56
1.15
2.67
1.26
2.79
1.36
2.95
1.47
3.11
1.59
3.31
1.72
3.55
1.86
3.80
2.04
4.07
2.24
4.39
2.46
4.77
2.70
5.15
2.97
5.58
3.24
5.99
3.53
6.53
3.85
7.15
4.20
7.85
4.58
8.48
5.05
9.07
5.56
9.70
6.13
10.40
6.75
11.09
7.44
11.79
8.09
12.62
8.80
13.41
9.58
14.31
10.42
15.23
11.33
16.63
12.57
18.13
13.94
20.20
15.47
23.58
17.16
28.21
19.03
32.44
37.31
42.90
49.34
56.74
65.25
75.04
86.30
99.24
2.20
2.23
2.27
2.30
2.34
2.45
2.56
2.68
2.79
2.92
3.06
3.28
3.54
3.84
4.15
4.45
4.70
4.97
5.27
5.60
5.94
6.32
6.75
7.20
7.70
8.35
9.02
9.70
10.51
11.59
12.73
13.99
15.28
16.42
17.62
19.01
20.52
22.14
23.79
25.76
28.08
30.64
34.11
38.52
44.96
51.70
59.46
68.38
78.64
90.43
104.00
119.59
137.53
158.16
Base Plan Rates
TermSelect10 R&C
FEMALE
Base Plan Rates
TermSelect10 R&C
FEMALE
Add $50 policy fee.
Add $50 policy fee.
$500,000$999,999
Issue Elite
SMOKER
$1,000,000$2,499,999
Issue Elite
SMOKER
0-15
-
16-20
0.21
21
0.21
22
0.21
23
0.22
24
0.22
25
0.22
26
0.22
27
0.23
28
0.23
29
0.24
30
0.24
31
0.24
32
0.24
33
0.24
34
0.24
35
0.24
36
0.26
37
0.27
38
0.29
39
0.31
40
0.33
41
0.35
42
0.37
43
0.39
44
0.41
45
0.43
46
0.48
47
0.53
48
0.60
49
0.66
50
0.74
51
0.84
52
0.95
53
1.08
54
1.22
55
1.38
56
1.54
57
1.72
58
1.91
59
2.13
60
2.38
61
2.65
62
2.94
63
3.27
64
3.63
65
4.04
66
4.61
67
5.25
68
5.99
69
6.83
70
7.79
71
72
73
74
75
76
77
78
79
0-15
-
16-20
0.19
21
0.19
22
0.19
23
0.19
24
0.19
25
0.19
26
0.20
27
0.20
28
0.21
29
0.21
30
0.22
31
0.22
32
0.22
33
0.23
34
0.23
35
0.23
36
0.24
37
0.26
38
0.28
39
0.29
40
0.31
41
0.33
42
0.34
43
0.36
44
0.38
45
0.40
46
0.45
47
0.50
48
0.56
49
0.63
50
0.70
51
0.80
52
0.91
53
1.03
54
1.18
55
1.34
56
1.50
57
1.68
58
1.89
59
2.11
60
2.37
61
2.64
62
2.93
63
3.26
64
3.62
65
4.03
66
4.60
67
5.24
68
5.98
69
6.81
70
7.77
71
72
73
74
75
76
77
78
79
-
-
-
0.26
-
0.26
-
0.26
-
0.26
-
0.26
-
0.26
0.85
0.27
0.85
0.28
0.85
0.28
0.85
0.29
0.85
0.30
0.87
0.30
0.89
0.30
0.92
0.31
0.95
0.31
0.99
0.31
1.04
0.32
1.09
0.34
1.14
0.36
1.19
0.37
1.26
0.39
1.35
0.43
1.44
0.47
1.53
0.51
1.64
0.56
1.75
0.61
1.87
0.68
2.00
0.76
2.14
0.84
2.27
0.93
2.42
1.04
2.61
1.16
2.84
1.28
3.08
1.43
3.35
1.58
3.68
1.76
4.03
1.96
4.43
2.18
4.79
2.43
5.26
2.70
5.79
3.01
6.36
3.34
6.95
3.71
7.47
4.12
8.01
4.58
8.62
5.08
9.95
5.77
11.44
6.56
13.30
7.46
15.73
8.47
19.58
9.63
22.52
25.89
29.78
34.25
39.38
45.29
52.08
59.90
68.88
-
0.40
-
0.28
-
0.28
-
0.28
-
0.28
-
0.28
-
0.28
0.97
0.29
0.97
0.29
0.97
0.30
0.97
0.30
0.98
0.31
0.99
0.31
1.01
0.31
1.04
0.32
1.08
0.32
1.12
0.32
1.17
0.33
1.22
0.35
1.29
0.37
1.37
0.38
1.46
0.40
1.58
0.44
1.71
0.48
1.82
0.52
1.94
0.57
2.07
0.62
2.23
0.69
2.41
0.77
2.59
0.85
2.75
0.94
2.92
1.05
3.11
1.17
3.35
1.29
3.65
1.44
3.91
1.59
4.25
1.77
4.64
2.02
5.20
2.30
5.81
2.62
6.33
2.99
6.76
3.41
7.27
3.79
7.88
4.21
8.55
4.67
9.27
5.19
10.24
5.76
11.68
6.53
13.35
7.40
15.35
8.39
17.48
9.52
21.89
10.79
25.17
28.95
33.29
38.29
44.03
50.63
58.23
66.96
77.01
1.03
-
1.03
0.45
1.03
0.45
1.03
0.45
1.03
0.45
1.03
0.45
1.03
0.45
1.03
0.45
1.03
0.46
1.04
0.46
1.05
0.47
1.06
0.47
1.09
0.50
1.12
0.53
1.16
0.57
1.21
0.60
1.26
0.64
1.34
0.70
1.42
0.76
1.51
0.82
1.60
0.89
1.70
0.97
1.82
1.04
1.93
1.11
2.07
1.18
2.20
1.26
2.36
1.35
2.54
1.46
2.75
1.59
3.01
1.72
3.26
1.87
3.51
2.03
3.82
2.27
4.09
2.53
4.36
2.82
4.79
3.15
5.31
3.52
5.87
3.92
6.50
4.36
7.18
4.86
7.92
5.41
8.62
6.02
9.36
6.52
10.04
7.07
10.84
7.66
11.59
8.30
12.58
8.99
13.79
9.98
15.66
11.09
18.18
12.32
21.90
13.68
26.80
15.19
30.82
35.44
40.76
46.87
53.90
61.99
71.29
81.98
94.28
-
-
-
0.51
-
0.51
-
0.51
-
0.52
-
0.52
-
0.52
1.57
0.53
1.60
0.54
1.63
0.56
1.65
0.57
1.69
0.58
1.72
0.61
1.76
0.65
1.80
0.68
1.85
0.72
1.94
0.76
2.07
0.83
2.20
0.91
2.30
0.99
2.45
1.09
2.60
1.19
2.74
1.29
2.90
1.41
3.06
1.53
3.26
1.66
3.47
1.81
3.74
1.99
4.01
2.19
4.37
2.40
4.73
2.64
5.11
2.90
5.56
3.15
5.97
3.43
6.50
3.72
7.11
4.05
7.67
4.40
8.23
4.88
8.80
5.41
9.43
6.00
10.12
6.65
10.82
7.37
11.52
8.02
12.24
8.73
12.98
9.51
13.79
10.35
14.65
11.27
15.82
12.41
17.41
13.66
19.53
15.03
22.81
16.55
27.86
18.22
32.04
36.84
42.37
48.73
56.04
64.44
74.11
85.22
98.01
1.60
1.66
1.73
1.80
1.87
1.96
2.05
2.18
2.32
2.47
2.65
2.84
3.08
3.33
3.64
3.94
4.27
4.61
4.99
5.33
5.69
6.07
6.44
6.93
7.54
8.14
8.77
9.56
10.48
11.47
12.37
13.36
14.42
15.53
16.76
18.16
19.66
21.26
23.00
24.89
27.16
29.63
32.33
35.80
41.98
48.28
55.52
63.85
73.42
84.44
97.10
111.67
128.42
147.68
-
-
-
0.23
-
0.23
-
0.23
-
0.24
-
0.24
-
0.24
0.83
0.25
0.83
0.26
0.83
0.27
0.83
0.28
0.84
0.29
0.86
0.29
0.88
0.29
0.90
0.29
0.92
0.29
0.94
0.29
0.97
0.31
1.02
0.32
1.08
0.34
1.15
0.36
1.22
0.38
1.31
0.42
1.40
0.46
1.49
0.50
1.60
0.55
1.71
0.60
1.84
0.66
1.96
0.74
2.09
0.82
2.23
0.90
2.38
1.00
2.57
1.12
2.79
1.25
3.02
1.39
3.31
1.56
3.64
1.74
3.98
1.93
4.34
2.14
4.75
2.37
5.20
2.63
5.67
2.92
6.10
3.26
6.62
3.63
7.15
4.05
7.65
4.51
8.28
5.03
9.62
5.72
11.14
6.50
13.07
7.39
15.52
8.40
19.35
9.55
22.25
25.59
29.43
33.84
38.92
44.76
51.47
59.19
68.07
-
0.39
-
0.24
-
0.24
-
0.24
-
0.25
-
0.25
-
0.25
0.92
0.26
0.93
0.27
0.94
0.28
0.95
0.29
0.96
0.30
0.97
0.30
0.99
0.30
1.01
0.30
1.03
0.30
1.06
0.30
1.10
0.32
1.17
0.33
1.26
0.35
1.33
0.37
1.42
0.39
1.53
0.43
1.67
0.47
1.80
0.51
1.91
0.56
2.03
0.61
2.20
0.67
2.36
0.75
2.54
0.83
2.72
0.91
2.90
1.01
3.08
1.13
3.31
1.26
3.60
1.41
3.87
1.57
4.21
1.76
4.61
2.01
5.15
2.29
5.69
2.61
6.16
2.97
6.64
3.39
7.18
3.77
7.78
4.18
8.37
4.65
9.00
5.17
9.88
5.74
11.23
6.48
12.74
7.33
14.83
8.27
17.34
9.35
21.82
10.56
25.09
28.86
33.19
38.16
43.89
50.47
58.04
66.75
76.76
1.01
-
1.01
0.38
1.01
0.39
1.01
0.40
1.01
0.40
1.01
0.41
1.01
0.42
1.01
0.43
1.01
0.44
1.02
0.44
1.03
0.45
1.04
0.46
1.07
0.49
1.10
0.52
1.13
0.55
1.17
0.58
1.22
0.62
1.30
0.66
1.39
0.71
1.48
0.76
1.57
0.81
1.67
0.87
1.78
0.93
1.91
1.00
2.02
1.07
2.14
1.15
2.30
1.23
2.48
1.36
2.66
1.50
2.90
1.65
3.13
1.82
3.38
2.01
3.69
2.24
3.98
2.49
4.32
2.77
4.71
3.09
5.21
3.44
5.78
3.84
6.46
4.29
7.16
4.78
7.88
5.34
8.53
5.96
9.32
6.40
9.97
6.87
10.75
7.37
11.50
7.91
12.49
8.49
13.70
9.54
15.57
10.71
17.91
12.03
21.73
13.51
26.73
15.18
30.74
35.35
40.65
46.75
53.76
61.83
71.10
81.77
94.03
-
-
-
0.49
-
0.49
-
0.49
-
0.48
-
0.48
-
0.48
1.45
0.50
1.46
0.51
1.48
0.53
1.50
0.54
1.53
0.56
1.57
0.59
1.63
0.63
1.71
0.66
1.80
0.70
1.90
0.74
2.02
0.81
2.15
0.89
2.26
0.97
2.41
1.07
2.56
1.17
2.72
1.27
2.88
1.39
3.04
1.51
3.22
1.64
3.46
1.79
3.73
1.97
4.00
2.17
4.34
2.38
4.70
2.62
5.08
2.88
5.53
3.13
5.95
3.40
6.48
3.70
7.02
4.02
7.58
4.37
8.12
4.83
8.71
5.34
9.34
5.91
10.03
6.54
10.75
7.23
11.41
7.89
12.13
8.60
12.89
9.39
13.70
10.24
14.56
11.17
15.73
12.31
17.32
13.56
19.40
14.95
22.64
16.47
27.41
18.15
31.52
36.25
41.69
47.94
55.13
63.40
72.91
83.85
96.42
1.55
1.58
1.62
1.66
1.71
1.79
1.91
2.03
2.16
2.31
2.48
2.70
2.95
3.20
3.51
3.82
4.12
4.46
4.81
5.22
5.60
5.98
6.35
6.91
7.47
8.05
8.66
9.47
10.33
11.34
12.24
13.23
14.29
15.17
16.21
17.66
19.37
21.10
22.82
24.70
26.60
28.66
30.92
34.90
41.74
48.00
55.20
63.48
73.00
83.95
96.55
111.03
127.68
146.84
Base Plan Rates
TermSelect10 R&C
FEMALE
Add $50 policy fee.
$2,500,000+
Issue Elite
SMOKER
0-15
-
16-20
0.18
21
0.18
22
0.18
23
0.18
24
0.18
25
0.18
26
0.19
27
0.19
28
0.20
29
0.20
30
0.21
31
0.21
32
0.21
33
0.22
34
0.22
35
0.22
36
0.23
37
0.25
38
0.26
39
0.28
40
0.30
41
0.32
42
0.33
43
0.35
44
0.37
45
0.39
46
0.44
47
0.49
48
0.55
49
0.62
50
0.69
51
0.79
52
0.90
53
1.02
54
1.17
55
1.33
56
1.49
57
1.67
58
1.88
59
2.10
60
2.36
61
2.63
62
2.92
63
3.25
64
3.61
65
4.02
66
4.59
67
5.23
68
5.96
69
6.80
70
7.76
71
72
73
74
75
76
77
78
79
-
-
-
0.22
-
0.22
-
0.22
-
0.23
-
0.23
-
0.23
0.82
0.24
0.82
0.25
0.82
0.26
0.82
0.27
0.83
0.28
0.84
0.28
0.86
0.28
0.88
0.28
0.90
0.28
0.92
0.28
0.95
0.30
1.00
0.31
1.06
0.33
1.13
0.35
1.20
0.37
1.29
0.40
1.38
0.44
1.46
0.48
1.57
0.53
1.68
0.58
1.81
0.65
1.93
0.72
2.05
0.80
2.19
0.89
2.34
0.99
2.52
1.11
2.74
1.24
2.97
1.38
3.25
1.55
3.58
1.73
3.91
1.92
4.26
2.13
4.67
2.36
5.11
2.62
5.57
2.91
5.99
3.25
6.50
3.62
7.02
4.04
7.51
4.50
8.13
5.02
9.45
5.71
10.94
6.49
12.84
7.38
15.24
8.39
19.01
9.54
21.85
25.13
28.91
33.24
38.23
43.96
50.55
58.14
66.86
-
0.38
-
0.23
-
0.23
-
0.23
-
0.24
-
0.24
-
0.24
0.91
0.25
0.92
0.26
0.93
0.27
0.94
0.28
0.95
0.29
0.96
0.29
0.98
0.29
1.00
0.29
1.02
0.29
1.05
0.29
1.09
0.31
1.16
0.32
1.25
0.34
1.31
0.36
1.40
0.38
1.51
0.42
1.65
0.46
1.78
0.50
1.89
0.55
2.01
0.60
2.18
0.66
2.33
0.74
2.51
0.82
2.69
0.90
2.87
1.00
3.05
1.12
3.27
1.25
3.56
1.40
3.83
1.56
4.16
1.75
4.56
2.00
5.09
2.28
5.63
2.60
6.09
2.96
6.57
3.38
7.10
3.76
7.69
4.17
8.28
4.64
8.90
5.16
9.77
5.73
11.10
6.46
12.60
7.28
14.66
8.21
17.14
9.25
21.57
10.43
24.81
28.53
32.82
37.73
43.39
49.90
57.39
66.00
75.89
1.00
-
1.00
0.37
1.00
0.38
1.00
0.39
1.00
0.39
1.00
0.40
1.00
0.41
1.00
0.42
1.00
0.43
1.01
0.43
1.02
0.44
1.03
0.45
1.06
0.48
1.09
0.51
1.12
0.54
1.16
0.57
1.21
0.61
1.28
0.65
1.37
0.70
1.46
0.75
1.55
0.80
1.65
0.86
1.76
0.92
1.89
0.99
2.00
1.06
2.11
1.14
2.27
1.22
2.45
1.35
2.63
1.49
2.86
1.64
3.09
1.81
3.34
2.00
3.64
2.23
3.93
2.48
4.27
2.76
4.65
3.08
5.15
3.43
5.71
3.83
6.38
4.28
7.07
4.77
7.78
5.33
8.43
5.95
9.21
6.36
9.85
6.81
10.62
7.28
11.36
7.79
12.34
8.33
13.53
9.39
15.38
10.59
17.69
11.94
21.46
13.46
26.40
15.17
30.36
34.92
40.15
46.18
53.10
61.07
70.23
80.77
92.88
-
-
-
0.48
-
0.48
-
0.48
-
0.47
-
0.47
-
0.47
1.44
0.49
1.45
0.50
1.47
0.52
1.49
0.53
1.52
0.55
1.56
0.58
1.62
0.62
1.70
0.65
1.79
0.69
1.89
0.73
2.01
0.80
2.14
0.88
2.25
0.96
2.40
1.05
2.55
1.15
2.70
1.25
2.86
1.37
3.02
1.49
3.20
1.62
3.44
1.77
3.71
1.95
3.98
2.15
4.32
2.37
4.67
2.61
5.05
2.87
5.50
3.12
5.92
3.39
6.44
3.68
6.98
4.00
7.54
4.35
8.07
4.81
8.66
5.33
9.29
5.90
9.97
6.52
10.69
7.22
11.35
7.88
12.06
8.59
12.82
9.38
13.62
10.23
14.48
11.16
15.64
12.30
17.22
13.55
19.29
14.94
22.51
16.46
27.26
18.14
31.34
36.05
41.46
47.67
54.82
63.04
72.50
83.38
95.88
1.54
1.57
1.61
1.65
1.70
1.78
1.90
2.02
2.15
2.30
2.46
2.68
2.93
3.18
3.49
3.80
4.09
4.43
4.78
5.19
5.56
5.94
6.31
6.87
7.42
8.00
8.60
9.41
10.26
11.27
12.16
13.14
14.20
15.07
16.11
17.55
19.24
20.96
22.67
24.54
26.43
28.48
30.72
34.67
41.47
47.69
54.84
63.07
72.53
83.41
95.93
110.31
126.86
145.89
Base Plan Rates
TermSelect20 R&C
MALE
Base Plan Rates
TermSelect20 R&C
MALE
Add $50 policy fee.
Add $50 policy fee.

$50,000$99,999
$100,000$249,999
Issue Regular
Regular
age NON-SMOKER
SMOKER
NON-SMOKER
SMOKER
$250,000$499,999
Issue Elite
SMOKER
0-15
1.95
16-20
1.49
21
1.49
22
1.49
23
1.49
24
1.49
25
1.49
26
1.49
27
1.49
28
1.49
29
1.49
30
1.49
31
1.52
32
1.56
33
1.59
34
1.62
35
1.66
36
1.74
37
1.82
38
1.91
39
2.00
40
2.10
41
2.31
42
2.54
43
2.80
44
3.08
45
3.39
46
3.64
47
3.92
48
4.21
49
4.52
50
4.86
51
5.28
52
5.73
53
6.23
54
6.77
55
7.35
56
8.25
57
9.27
58
10.41
59
11.68
60
13.12
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
0-15
-
16-20
0.56
21
0.56
22
0.56
23
0.56
24
0.56
25
0.56
26
0.57
27
0.57
28
0.58
29
0.58
30
0.59
31
0.59
32
0.59
33
0.60
34
0.60
35
0.60
36
0.65
37
0.70
38
0.75
39
0.81
40
0.87
41
0.95
42
1.05
43
1.15
44
1.26
45
1.38
46
1.54
47
1.72
48
1.93
49
2.16
50
2.41
51
2.71
52
3.05
53
3.43
54
3.86
55
4.34
56
4.92
57
5.59
58
6.34
59
7.19
60
8.16
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
-
-
-
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.49
3.63
2.60
3.63
2.71
3.63
2.82
3.63
2.94
3.63
3.07
3.63
3.39
3.94
3.74
4.29
4.12
4.70
4.55
5.13
5.02
5.66
5.48
6.28
5.97
6.94
6.51
7.54
7.11
8.22
7.75
8.90
8.44
9.59
9.20
10.28
10.02
10.96
10.92
11.65
11.90
14.66
12.92
15.48
14.03
16.28
15.24
17.10
16.55
17.92
17.97
18.72
19.70
19.54
21.60
20.37
23.69
21.36
25.97
23.32
28.48
24.54
25.82
27.17
28.60
30.09
31.66
33.32
35.06
36.89
38.82
44.64
51.34
59.03
67.89
78.07
89.78
103.26
118.74
136.55
-
0.98
-
0.79
-
0.79
-
0.79
-
0.79
-
0.79
-
0.79
-
0.79
-
0.79
-
0.79
-
0.79
-
0.79
-
0.82
-
0.85
-
0.88
-
0.91
-
0.94
7.66
1.02
8.35
1.11
9.11
1.21
10.04
1.32
11.03
1.44
12.11
1.58
13.26
1.73
14.54
1.90
15.59
2.09
16.70
2.29
18.04
2.53
19.40
2.80
20.54
3.09
21.86
3.41
23.18
3.77
30.64
4.23
32.29
4.74
33.95
5.31
35.60
5.95
37.26
6.67
38.92
7.46
40.59
8.35
42.25
9.34
44.01
10.44
47.02
11.68
49.21
51.49
53.89
56.39
59.02
61.76
64.63
67.63
70.78
74.07
85.18
97.96
112.65
129.55
148.98
171.33
197.03
226.58
260.57
-
-
-
1.51
2.77
1.52
2.77
1.53
2.77
1.53
2.77
1.54
2.77
1.55
2.77
1.57
2.77
1.58
2.77
1.60
2.77
1.61
2.77
1.63
2.77
1.75
2.77
1.88
2.77
2.01
2.77
2.16
2.77
2.32
2.77
2.56
2.90
2.83
2.99
3.12
3.18
3.45
3.38
3.81
3.69
4.23
4.06
4.69
4.46
5.21
4.82
5.78
5.22
6.42
5.65
7.00
6.09
7.64
6.61
8.33
7.16
9.09
7.74
9.91
9.84
10.83
10.79
11.83
11.84
12.92
12.81
14.12
13.87
15.42
15.22
16.91
16.71
18.55
18.34
20.35
20.13
22.32
22.13
24.48
23.36
24.67
26.05
27.51
29.05
30.68
32.39
34.20
36.11
38.13
43.85
50.44
58.00
66.70
76.70
88.21
101.43
116.65
134.15
5.40
5.82
6.25
6.71
7.30
7.88
8.51
9.26
10.10
10.94
11.99
13.23
14.54
15.97
17.53
23.71
25.51
27.43
29.54
31.77
34.43
36.94
39.76
43.02
46.40
48.61
50.93
53.36
55.91
58.57
61.37
64.29
67.36
70.57
73.84
85.03
97.79
112.45
129.32
148.72
171.03
196.68
226.18
260.11
-
-
-
0.68
-
0.68
-
0.68
-
0.67
-
0.67
-
0.67
-
0.68
-
0.68
-
0.69
-
0.69
-
0.70
-
0.72
-
0.75
-
0.78
-
0.80
-
0.83
1.98
0.88
2.06
0.94
2.14
1.00
2.22
1.06
2.30
1.13
2.49
1.25
2.70
1.38
2.92
1.52
3.20
1.68
3.50
1.85
3.83
2.07
4.19
2.31
4.57
2.57
4.93
2.88
5.30
3.21
7.24
3.57
7.87
3.98
8.48
4.43
9.23
4.93
9.94
5.49
10.84
6.22
11.92
7.05
13.01
7.99
14.42
9.06
16.90
10.27
17.69
18.52
19.39
20.30
21.25
22.25
23.30
24.39
25.53
26.73
30.74
35.35
40.65
46.75
53.76
61.83
71.10
81.77
94.03
-
0.91
-
0.71
-
0.71
-
0.71
-
0.71
-
0.71
-
0.71
-
0.71
-
0.71
-
0.71
-
0.71
-
0.71
-
0.74
-
0.78
-
0.81
-
0.85
-
0.89
2.20
0.95
2.32
1.02
2.43
1.10
2.52
1.18
2.64
1.26
2.84
1.40
3.11
1.55
3.37
1.72
3.69
1.91
3.99
2.12
4.36
2.34
4.82
2.58
5.27
2.84
5.69
3.13
6.11
3.45
8.30
3.87
9.07
4.34
9.92
4.87
10.78
5.46
11.79
6.13
13.01
6.90
14.38
7.76
16.15
8.73
17.91
9.83
19.78
11.06
20.73
21.73
22.78
23.87
25.02
26.23
27.49
28.82
30.21
31.66
36.41
41.87
48.15
55.37
63.68
73.23
84.22
96.85
111.38
-
-
-
1.11
2.42
1.11
2.42
1.11
2.42
1.11
2.42
1.11
2.42
1.11
2.42
1.13
2.42
1.14
2.42
1.16
2.42
1.17
2.42
1.19
2.42
1.27
2.42
1.35
2.42
1.43
2.42
1.52
2.42
1.62
2.42
1.76
2.59
1.91
2.81
2.07
3.02
2.24
3.26
2.43
3.53
2.71
3.80
3.03
4.10
3.38
4.45
3.77
4.79
4.21
5.26
4.64
5.82
5.11
6.37
5.63
6.91
6.21
7.50
6.84
9.66
7.56
10.48
8.35
11.39
9.23
12.36
10.20
13.44
11.27
14.77
12.37
16.28
13.58
17.91
14.91
19.70
16.37
21.68
17.97
22.73
23.84
25.00
26.22
27.49
28.83
30.23
31.70
33.25
34.87
40.10
46.11
53.03
60.98
70.13
80.65
92.74
106.66
122.65
-
-
-
1.33
-
1.33
-
1.34
-
1.34
-
1.35
-
1.35
-
1.39
-
1.43
-
1.47
-
1.52
-
1.56
-
1.66
-
1.77
-
1.89
-
2.01
-
2.14
3.06
2.37
3.24
2.62
3.42
2.89
3.62
3.20
3.87
3.54
4.23
3.91
4.59
4.32
4.97
4.78
5.40
5.28
5.86
5.84
6.37
6.42
6.90
7.05
7.58
7.74
8.31
8.50
9.13
9.34
12.48
10.28
13.66
11.31
14.87
12.45
15.98
13.70
17.30
15.08
19.08
16.46
21.02
17.97
22.97
19.61
25.11
21.41
27.09
23.37
28.37
29.71
31.11
32.57
34.11
35.72
37.40
39.17
41.02
42.95
49.39
56.80
65.32
75.12
86.39
99.35
114.25
131.39
151.09
5.20
5.56
5.96
6.42
6.94
7.53
8.15
8.87
9.70
10.64
11.68
12.75
14.11
15.62
17.22
23.27
25.06
26.91
28.94
31.32
33.64
36.50
39.20
42.10
45.23
47.39
49.66
52.04
54.53
57.14
59.87
62.74
65.74
68.88
72.18
83.01
95.46
109.78
126.24
145.18
166.96
192.00
220.80
253.92
Base Plan Rates
TermSelect20 R&C
MALE
Base Plan Rates
TermSelect 20 R&C
MALE
Add $50 policy fee.
Add $50 policy fee.
$500,000$999,999
Issue Elite
SMOKER
$1,000,000$2,499,999
Issue Elite
SMOKER

0-15
-
16-20
0.55
21
0.55
22
0.55
23
0.55
24
0.55
25
0.55
26
0.55
27
0.56
28
0.56
29
0.57
30
0.57
31
0.57
32
0.57
33
0.57
34
0.57
35
0.57
36
0.61
37
0.66
38
0.71
39
0.76
40
0.82
41
0.91
42
1.00
43
1.11
44
1.22
45
1.35
46
1.51
47
1.69
48
1.90
49
2.12
50
2.38
51
2.68
52
3.02
53
3.39
54
3.82
55
4.30
56
4.87
57
5.52
58
6.25
59
7.08
60
8.02
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
0-15
-
16-20
0.50
21
0.50
22
0.50
23
0.50
24
0.50
25
0.50
26
0.51
27
0.51
28
0.52
29
0.52
30
0.53
31
0.53
32
0.53
33
0.54
34
0.54
35
0.54
36
0.58
37
0.63
38
0.67
39
0.72
40
0.78
41
0.87
42
0.97
43
1.08
44
1.20
45
1.34
46
1.50
47
1.68
48
1.89
49
2.11
50
2.37
51
2.66
52
2.99
53
3.36
54
3.78
55
4.25
56
4.82
57
5.46
58
6.19
59
7.02
60
7.96
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
-
-
-
0.66
-
0.66
-
0.66
-
0.65
-
0.65
-
0.65
-
0.66
-
0.66
-
0.67
-
0.67
-
0.68
-
0.69
-
0.71
-
0.72
-
0.74
-
0.75
1.62
0.81
1.73
0.86
1.82
0.93
1.91
1.00
2.03
1.07
2.21
1.18
2.42
1.31
2.65
1.45
2.95
1.60
3.26
1.77
3.54
1.97
3.86
2.19
4.22
2.44
4.58
2.71
5.00
3.02
6.80
3.39
7.54
3.81
8.19
4.28
8.80
4.81
9.65
5.40
10.48
6.10
11.56
6.88
12.87
7.77
14.38
8.77
16.85
9.90
17.64
18.46
19.32
20.24
21.19
22.17
23.20
24.28
25.41
26.59
30.58
35.17
40.44
46.51
53.48
61.50
70.73
81.34
93.54
-
0.89
-
0.69
-
0.69
-
0.69
-
0.70
-
0.70
-
0.70
-
0.70
-
0.70
-
0.70
-
0.70
-
0.70
-
0.71
-
0.72
-
0.74
-
0.75
-
0.76
1.87
0.82
2.02
0.89
2.16
0.96
2.30
1.04
2.43
1.12
2.61
1.24
2.84
1.37
3.10
1.52
3.33
1.68
3.63
1.86
4.02
2.07
4.40
2.30
4.81
2.56
5.29
2.84
5.79
3.16
7.84
3.57
8.55
4.04
9.34
4.56
10.24
5.16
11.16
5.83
12.40
6.59
13.73
7.44
15.52
8.40
17.55
9.49
18.90
10.72
19.90
20.95
22.06
23.22
24.45
25.74
27.10
28.53
30.04
31.63
36.37
41.83
48.11
55.32
63.62
73.16
84.14
96.76
111.27
-
-
-
1.04
2.14
1.04
2.14
1.04
2.14
1.04
2.14
1.04
2.14
1.04
2.14
1.06
2.14
1.08
2.14
1.10
2.14
1.12
2.14
1.14
2.14
1.21
2.14
1.28
2.14
1.35
2.14
1.43
2.14
1.51
2.14
1.64
2.30
1.79
2.48
1.94
2.70
2.11
2.94
2.30
3.20
2.57
3.46
2.88
3.78
3.22
4.14
3.60
4.54
4.03
5.00
4.45
5.50
4.90
6.06
5.41
6.64
5.97
7.24
6.58
9.34
7.28
10.16
8.06
11.05
8.93
12.02
9.88
13.21
10.94
14.55
12.04
16.04
13.26
17.66
14.59
19.46
16.06
21.44
17.68
22.50
23.60
24.76
25.97
27.25
28.59
29.99
31.46
33.00
34.63
39.82
45.80
52.67
60.56
69.64
80.09
92.11
105.93
121.82
-
-
-
1.27
-
1.27
-
1.28
-
1.28
-
1.29
-
1.29
-
1.32
-
1.35
-
1.38
-
1.41
-
1.44
-
1.55
-
1.66
-
1.78
-
1.91
-
2.05
2.79
2.26
2.97
2.49
3.17
2.75
3.34
3.04
3.55
3.35
3.85
3.70
4.19
4.08
4.59
4.51
5.02
4.97
5.47
5.49
5.96
6.03
6.50
6.62
7.10
7.27
7.74
7.99
8.44
8.77
11.61
9.72
12.74
10.77
14.00
11.93
15.39
13.22
16.86
14.65
18.72
16.02
20.70
17.51
22.64
19.14
24.62
20.93
26.75
22.88
27.73
28.74
29.79
30.88
32.00
33.17
34.38
35.64
36.94
38.29
44.03
50.64
58.23
66.97
77.01
88.57
101.85
117.13
134.70
4.66
5.02
5.44
5.92
6.44
7.02
7.69
8.44
9.34
10.35
11.41
12.50
13.64
14.94
16.31
22.21
24.14
26.01
27.86
30.26
32.71
35.39
38.16
41.02
44.96
47.00
49.13
51.36
53.69
56.12
58.67
61.33
64.11
67.02
70.06
80.57
92.65
106.55
122.54
140.92
162.05
186.36
214.32
246.46
-
-
-
0.64
-
0.64
-
0.64
-
0.64
-
0.64
-
0.64
-
0.65
-
0.65
-
0.66
-
0.66
-
0.67
-
0.68
-
0.69
-
0.71
-
0.72
-
0.73
1.60
0.78
1.70
0.84
1.78
0.90
1.89
0.97
2.00
1.04
2.18
1.15
2.34
1.27
2.56
1.41
2.85
1.56
3.15
1.73
3.44
1.93
3.76
2.14
4.16
2.39
4.54
2.66
4.94
2.96
6.71
3.30
7.45
3.67
8.15
4.09
8.77
4.56
9.56
5.08
10.44
5.80
11.52
6.63
12.83
7.57
14.31
8.64
16.65
9.87
17.44
18.27
19.14
20.05
21.01
22.01
23.06
24.16
25.31
26.51
30.49
35.06
40.32
46.37
53.32
61.32
70.52
81.09
93.26
-
0.85
-
0.67
-
0.67
-
0.67
-
0.68
-
0.68
-
0.68
-
0.68
-
0.68
-
0.68
-
0.68
-
0.68
-
0.69
-
0.71
-
0.72
-
0.74
-
0.75
1.76
0.81
1.87
0.88
2.00
0.95
2.14
1.03
2.34
1.11
2.56
1.23
2.79
1.36
3.04
1.50
3.31
1.66
3.61
1.84
3.93
2.05
4.32
2.28
4.74
2.54
5.20
2.82
5.63
3.14
7.72
3.55
8.42
4.01
9.13
4.54
9.94
5.13
10.85
5.80
11.93
6.54
13.36
7.37
15.16
8.30
16.74
9.36
18.41
10.55
19.43
20.50
21.63
22.83
24.09
25.42
26.82
28.31
29.87
31.52
36.25
41.69
47.94
55.13
63.40
72.91
83.84
96.42
110.88
-
-
-
0.99
2.13
0.99
2.13
0.99
2.13
0.99
2.13
0.99
2.13
0.99
2.13
1.02
2.13
1.04
2.13
1.07
2.13
1.10
2.13
1.13
2.13
1.19
2.13
1.26
2.13
1.32
2.13
1.39
2.13
1.47
2.13
1.60
2.29
1.74
2.46
1.89
2.68
2.05
2.92
2.23
3.18
2.48
3.42
2.75
3.76
3.06
4.09
3.40
4.46
3.78
4.93
4.21
5.42
4.68
5.96
5.21
6.58
5.80
7.18
6.45
9.28
7.13
10.09
7.89
10.99
8.72
11.95
9.64
13.13
10.66
14.49
11.76
15.97
12.97
17.59
14.30
19.39
15.78
21.38
17.40
22.42
23.51
24.65
25.86
27.12
28.44
29.83
31.28
32.81
34.41
39.57
45.51
52.34
60.18
69.21
79.59
91.53
105.26
121.05
-
-
-
1.08
-
1.09
-
1.10
-
1.10
-
1.11
-
1.12
-
1.15
-
1.19
-
1.22
-
1.25
-
1.29
-
1.41
-
1.55
-
1.70
-
1.86
-
2.04
2.75
2.25
2.92
2.48
3.08
2.73
3.26
3.01
3.42
3.32
3.62
3.66
3.98
4.04
4.39
4.45
4.79
4.91
5.24
5.41
5.74
5.96
6.26
6.56
6.87
7.22
7.52
7.96
8.30
8.76
11.39
9.70
12.51
10.74
13.75
11.90
15.20
13.17
16.78
14.59
18.61
15.96
20.56
17.46
22.57
19.11
24.55
20.90
26.51
22.87
27.49
28.52
29.58
30.67
31.81
33.00
34.22
35.49
36.81
38.18
43.91
50.49
58.07
66.78
76.79
88.31
101.56
116.79
134.31
4.36
4.79
5.22
5.69
6.22
6.80
7.50
8.30
9.26
10.28
11.34
12.46
13.59
14.80
16.13
21.98
23.85
25.85
27.59
30.04
32.49
35.15
38.03
40.73
43.97
45.93
47.98
50.12
52.35
54.69
57.13
59.68
62.34
65.12
68.02
78.22
89.96
103.45
118.97
136.81
157.33
180.93
208.07
239.29
Base Plan Rates
TermSelect20 R&C
MALE
Add $50 policy fee.
$2,500,000+
Issue Elite
SMOKER
0-15
-
16-20
0.49
21
0.49
22
0.49
23
0.49
24
0.49
25
0.49
26
0.50
27
0.50
28
0.51
29
0.51
30
0.52
31
0.52
32
0.52
33
0.53
34
0.53
35
0.53
36
0.57
37
0.62
38
0.66
39
0.71
40
0.77
41
0.86
42
0.96
43
1.07
44
1.19
45
1.33
46
1.49
47
1.67
48
1.88
49
2.10
50
2.36
51
2.65
52
2.98
53
3.35
54
3.77
55
4.24
56
4.81
57
5.45
58
6.18
59
7.01
60
7.95
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
-
-
-
0.63
-
0.63
-
0.63
-
0.63
-
0.63
-
0.63
-
0.64
-
0.64
-
0.65
-
0.65
-
0.66
-
0.67
-
0.68
-
0.70
-
0.71
-
0.72
1.59
0.77
1.69
0.83
1.78
0.89
1.87
0.96
1.98
1.03
2.16
1.14
2.33
1.26
2.54
1.40
2.83
1.55
3.13
1.72
3.42
1.92
3.74
2.13
4.14
2.38
4.51
2.65
4.90
2.95
6.66
3.29
7.40
3.66
8.10
4.08
8.71
4.55
9.50
5.07
10.37
5.79
11.44
6.62
12.74
7.56
14.21
8.63
16.54
9.86
17.32
18.15
19.01
19.92
20.87
21.86
22.90
24.00
25.14
26.33
30.28
34.82
40.05
46.06
52.96
60.91
70.05
80.54
92.63
-
0.84
-
0.66
-
0.66
-
0.66
-
0.67
-
0.67
-
0.67
-
0.67
-
0.67
-
0.67
-
0.67
-
0.67
-
0.68
-
0.69
-
0.71
-
0.72
-
0.73
1.74
0.79
1.86
0.86
1.98
0.93
2.13
1.01
2.33
1.09
2.54
1.21
2.77
1.34
3.02
1.49
3.29
1.65
3.58
1.83
3.90
2.04
4.29
2.27
4.70
2.53
5.16
2.81
5.58
3.13
7.66
3.54
8.35
4.00
9.06
4.53
9.86
5.12
10.76
5.79
11.83
6.53
13.25
7.36
15.04
8.29
16.61
9.35
18.26
10.54
19.27
20.34
21.46
22.65
23.90
25.22
26.60
28.08
29.63
31.27
35.96
41.36
47.56
54.69
62.89
72.33
83.17
95.65
109.99
-
-
-
0.97
2.12
0.97
2.12
0.97
2.12
0.98
2.12
0.98
2.12
0.98
2.12
1.01
2.12
1.03
2.12
1.06
2.12
1.09
2.12
1.12
2.12
1.18
2.12
1.25
2.12
1.31
2.12
1.38
2.12
1.46
2.12
1.59
2.28
1.72
2.45
1.87
2.66
2.03
2.90
2.21
3.17
2.46
3.41
2.74
3.74
3.04
4.06
3.39
4.44
3.77
4.90
4.20
5.39
4.67
5.93
5.20
6.55
5.79
7.14
6.44
9.23
7.12
10.04
7.88
10.93
8.71
11.89
9.63
13.06
10.65
14.41
11.75
15.89
12.96
17.51
14.29
19.29
15.77
21.27
17.39
22.31
23.40
24.53
25.73
26.99
28.30
29.68
31.12
32.65
34.24
39.37
45.28
52.07
59.88
68.86
79.19
91.08
104.73
120.44
-
-
-
1.07
-
1.08
-
1.09
-
1.09
-
1.10
-
1.11
-
1.14
-
1.18
-
1.21
-
1.24
-
1.28
-
1.40
-
1.54
-
1.69
-
1.85
-
2.03
2.74
2.24
2.91
2.47
3.07
2.72
3.25
3.00
3.42
3.31
3.61
3.65
3.97
4.03
4.38
4.44
4.78
4.90
5.23
5.40
5.74
5.95
6.26
6.55
6.86
7.21
7.50
7.94
8.28
8.75
11.37
9.69
12.49
10.73
13.72
11.89
15.17
13.16
16.75
14.58
18.58
15.95
20.52
17.45
22.53
19.10
24.50
20.89
26.46
22.86
27.44
28.47
29.52
30.61
31.75
32.94
34.16
35.42
36.74
38.11
43.83
50.40
57.96
66.65
76.65
88.14
101.37
116.57
134.06
4.35
4.78
5.21
5.67
6.21
6.78
7.49
8.28
9.24
10.26
11.32
12.43
13.56
14.77
16.09
21.93
23.79
25.79
27.53
29.97
32.41
35.07
37.94
40.64
43.87
45.82
47.87
50.00
52.23
54.56
57.00
59.54
62.20
64.97
67.86
78.04
89.75
103.21
118.69
136.49
156.97
180.51
207.59
238.74
Base Plan Rates
TermSelect20 R&C
FEMALE
Base Plan Rates
TermSelect20 R&C
FEMALE
Add $50 policy fee.
Add $50 policy fee.

$50,000$99,999
$100,000$249,999
Issue Regular
Regular
age NON-SMOKER
SMOKER
NON-SMOKER
SMOKER
$250,000$499,999
Issue Elite
SMOKER
0-15
1.53
16-20
1.21
21
1.21
22
1.21
23
1.21
24
1.21
25
1.21
26
1.23
27
1.24
28
1.26
29
1.27
30
1.29
31
1.33
32
1.37
33
1.41
34
1.45
35
1.49
36
1.52
37
1.56
38
1.59
39
1.62
40
1.66
41
1.74
42
1.83
43
1.92
44
2.01
45
2.11
46
2.34
47
2.60
48
2.88
49
3.20
50
3.55
51
3.80
52
4.07
53
4.35
54
4.66
55
4.99
56
5.63
57
6.34
58
7.15
59
8.06
60
9.09
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
0-15
-
16-20
0.41
21
0.41
22
0.41
23
0.42
24
0.42
25
0.42
26
0.42
27
0.42
28
0.43
29
0.43
30
0.43
31
0.43
32
0.43
33
0.43
34
0.43
35
0.43
36
0.46
37
0.49
38
0.53
39
0.57
40
0.61
41
0.67
42
0.74
43
0.82
44
0.91
45
1.00
46
1.11
47
1.23
48
1.36
49
1.51
50
1.67
51
1.88
52
2.11
53
2.36
54
2.65
55
2.98
56
3.37
57
3.82
58
4.32
59
4.89
60
5.53
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
-
-
-
1.85
3.20
1.87
3.20
1.89
3.20
1.92
3.20
1.94
3.20
1.96
3.20
1.99
3.20
2.01
3.20
2.04
3.20
2.06
3.20
2.09
3.20
2.16
3.20
2.24
3.20
2.32
3.20
2.40
3.20
2.49
3.20
2.66
3.50
2.83
3.85
3.02
4.23
3.22
4.66
3.44
5.18
3.68
5.78
3.94
6.44
4.22
7.02
4.51
7.67
4.83
8.08
5.19
8.50
5.58
8.90
5.99
9.30
6.44
9.70
6.92
12.01
7.46
12.48
8.04
12.98
8.67
13.46
9.34
13.94
10.07
14.41
11.06
14.90
12.14
15.37
13.33
15.87
14.64
16.38
16.07
17.39
18.46
19.60
20.81
22.08
23.45
24.89
26.42
28.04
29.77
34.24
39.38
45.28
52.07
59.89
68.87
79.20
91.08
104.74
-
0.75
-
0.64
-
0.66
-
0.67
-
0.69
-
0.70
-
0.72
-
0.72
-
0.73
-
0.73
-
0.74
-
0.74
-
0.76
-
0.78
-
0.80
-
0.82
-
0.84
6.03
0.85
6.54
0.87
7.09
0.88
7.74
0.90
8.57
0.91
9.45
1.01
10.40
1.11
11.43
1.23
12.30
1.36
13.17
1.50
13.86
1.67
14.54
1.86
15.28
2.08
16.04
2.31
16.85
2.58
22.10
2.87
23.22
3.20
24.37
3.56
25.60
3.97
26.89
4.42
28.22
4.94
29.63
5.53
31.12
6.18
32.67
6.91
34.31
7.73
35.52
36.76
38.06
39.40
40.78
42.21
43.70
45.23
46.82
48.47
55.74
64.10
73.72
84.77
97.49
112.11
128.93
148.27
170.51
-
-
-
0.99
2.29
0.99
2.29
0.99
2.29
0.99
2.29
0.99
2.29
0.99
2.29
1.02
2.29
1.05
2.29
1.08
2.29
1.11
2.29
1.14
2.29
1.23
2.29
1.33
2.29
1.44
2.29
1.56
2.29
1.69
2.29
1.83
2.46
1.99
2.62
2.15
2.75
2.33
2.88
2.53
3.08
2.74
3.27
2.97
3.46
3.22
3.66
3.50
3.86
3.79
4.10
4.11
4.38
4.45
4.66
4.83
4.98
5.23
5.31
5.67
6.71
6.19
7.12
6.75
7.71
7.37
8.44
8.04
9.14
8.77
9.98
9.58
10.97
10.47
12.12
11.44
13.22
12.50
14.60
13.66
15.51
16.47
17.51
18.59
19.75
20.99
22.30
23.68
25.16
26.72
30.73
35.34
40.64
46.74
53.75
61.82
71.09
81.75
94.01
4.12
4.41
4.77
5.10
5.46
5.83
6.23
6.66
7.10
7.58
8.16
8.80
9.52
10.26
11.13
15.08
16.33
17.68
19.15
20.69
22.26
23.15
23.92
24.71
25.72
27.31
29.00
30.79
32.70
34.72
36.87
39.15
41.57
44.14
46.87
53.90
61.99
71.28
81.98
94.27
108.41
124.68
143.38
164.88
-
-
-
0.49
-
0.49
-
0.49
-
0.49
-
0.49
-
0.49
-
0.50
-
0.51
-
0.52
-
0.53
-
0.54
-
0.55
-
0.56
-
0.58
-
0.59
-
0.60
1.74
0.64
1.78
0.69
1.84
0.74
1.90
0.79
1.96
0.85
2.06
0.93
2.19
1.01
2.30
1.10
2.42
1.20
2.52
1.31
2.70
1.44
2.92
1.59
3.15
1.75
3.37
1.93
3.58
2.13
4.79
2.37
5.13
2.64
5.49
2.94
5.89
3.28
6.35
3.65
6.93
4.11
7.63
4.62
8.49
5.20
9.52
5.85
11.41
6.58
12.07
12.77
13.51
14.30
15.13
16.00
16.93
17.91
18.95
20.05
23.06
26.52
30.49
35.07
40.33
46.38
53.33
61.33
70.53
-
0.60
-
0.51
-
0.51
-
0.52
-
0.52
-
0.53
-
0.53
-
0.54
-
0.54
-
0.55
-
0.55
-
0.56
-
0.58
-
0.60
-
0.62
-
0.65
-
0.67
1.81
0.71
1.91
0.75
2.02
0.80
2.14
0.85
2.26
0.90
2.38
0.98
2.48
1.07
2.61
1.17
2.75
1.28
2.90
1.40
3.10
1.56
3.33
1.74
3.54
1.94
3.76
2.16
3.99
2.41
5.31
2.68
5.71
2.98
6.10
3.31
6.59
3.68
7.20
4.09
7.99
4.59
8.89
5.15
9.90
5.78
11.07
6.49
12.31
7.28
13.05
13.84
14.67
15.55
16.49
17.48
18.54
19.65
20.84
22.09
25.40
29.21
33.60
38.64
44.43
51.10
58.76
67.57
77.71
-
-
-
0.66
2.10
0.68
2.10
0.69
2.10
0.71
2.10
0.72
2.10
0.74
2.10
0.76
2.10
0.79
2.10
0.81
2.10
0.83
2.10
0.86
2.10
0.91
2.10
0.96
2.10
1.01
2.10
1.06
2.10
1.12
2.10
1.23
2.14
1.35
2.18
1.49
2.27
1.64
2.46
1.80
2.65
1.94
2.82
2.10
3.02
2.27
3.18
2.45
3.35
2.64
3.63
2.90
3.90
3.18
4.18
3.49
4.46
3.83
4.72
4.21
6.05
4.62
6.50
5.08
6.94
5.58
7.54
6.13
7.99
6.73
8.83
7.38
9.64
8.09
10.45
8.86
11.42
9.72
12.42
10.65
13.36
14.36
15.45
16.61
17.86
19.21
20.65
22.21
23.88
25.69
29.55
33.97
39.06
44.93
51.67
59.42
68.33
78.58
90.36
-
-
-
0.68
-
0.70
-
0.73
-
0.75
-
0.77
-
0.80
-
0.84
-
0.89
-
0.94
-
0.99
-
1.04
-
1.13
-
1.23
-
1.34
-
1.45
-
1.58
2.63
1.70
2.72
1.84
2.85
1.98
2.99
2.13
3.13
2.30
3.30
2.48
3.49
2.68
3.67
2.89
3.89
3.11
4.10
3.36
4.41
3.67
4.72
4.00
5.10
4.37
5.51
4.77
5.98
5.21
8.26
5.69
9.00
6.22
9.54
6.80
10.17
7.44
10.92
8.13
11.97
8.93
13.16
9.80
14.40
10.76
15.69
11.82
17.15
12.98
18.03
18.94
19.91
20.93
22.00
23.12
24.30
25.54
26.84
28.21
32.44
37.31
42.90
49.34
56.74
65.25
75.04
86.30
99.24
3.73
3.98
4.26
4.57
4.88
5.26
5.69
6.15
6.64
7.09
7.58
8.10
8.67
9.27
9.90
13.41
14.51
15.68
16.97
18.36
19.87
21.55
23.33
24.59
25.54
27.03
28.60
30.26
32.02
33.89
35.86
37.94
40.15
42.49
44.96
51.70
59.46
68.38
78.64
90.43
104.00
119.59
137.53
158.16
Base Plan Rates
TermSelect20 R&C
FEMALE
Base Plan Rates
TermSelect20 R&C
FEMALE
Add $50 policy fee.
Add $50 policy fee.
$500,000$999,999
Issue Elite
SMOKER
$1,000,000$2,499,999
Issue Elite
SMOKER
0-15
-
16-20
0.33
21
0.34
22
0.35
23
0.35
24
0.36
25
0.37
26
0.37
27
0.38
28
0.38
29
0.39
30
0.39
31
0.39
32
0.39
33
0.39
34
0.39
35
0.39
36
0.42
37
0.44
38
0.47
39
0.51
40
0.54
41
0.61
42
0.68
43
0.76
44
0.86
45
0.96
46
1.06
47
1.17
48
1.29
49
1.43
50
1.58
51
1.77
52
1.99
53
2.23
54
2.50
55
2.81
56
3.20
57
3.65
58
4.15
59
4.73
60
5.39
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
0-15
-
16-20
0.31
21
0.31
22
0.31
23
0.31
24
0.31
25
0.31
26
0.32
27
0.33
28
0.34
29
0.35
30
0.36
31
0.36
32
0.37
33
0.37
34
0.38
35
0.38
36
0.40
37
0.43
38
0.46
39
0.49
40
0.52
41
0.59
42
0.66
43
0.74
44
0.84
45
0.94
46
1.03
47
1.14
48
1.25
49
1.38
50
1.52
51
1.71
52
1.93
53
2.17
54
2.45
55
2.76
56
3.14
57
3.57
58
4.07
59
4.63
60
5.27
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
-
-
-
0.42
-
0.42
-
0.43
-
0.43
-
0.44
-
0.44
-
0.44
-
0.44
-
0.44
-
0.44
-
0.44
-
0.45
-
0.47
-
0.48
-
0.50
-
0.51
1.41
0.55
1.50
0.60
1.60
0.65
1.69
0.70
1.77
0.76
1.86
0.83
1.96
0.90
2.07
0.98
2.18
1.07
2.29
1.17
2.48
1.28
2.68
1.40
2.91
1.53
3.15
1.67
3.37
1.82
4.52
2.05
4.86
2.31
5.22
2.60
5.62
2.92
6.13
3.29
6.68
3.74
7.34
4.25
8.22
4.84
9.23
5.50
11.18
6.25
11.82
12.51
13.23
13.99
14.80
15.65
16.55
17.50
18.51
19.58
22.52
25.89
29.78
34.25
39.38
45.29
52.08
59.90
68.88
-
0.57
-
0.43
-
0.43
-
0.44
-
0.44
-
0.45
-
0.45
-
0.45
-
0.45
-
0.45
-
0.45
-
0.45
-
0.46
-
0.48
-
0.49
-
0.51
-
0.52
1.50
0.56
1.58
0.61
1.68
0.66
1.78
0.71
1.90
0.77
2.03
0.84
2.20
0.93
2.37
1.01
2.52
1.11
2.68
1.22
2.82
1.35
2.98
1.50
3.21
1.66
3.50
1.84
3.82
2.04
5.13
2.31
5.56
2.62
5.96
2.98
6.39
3.38
6.94
3.83
7.67
4.33
8.44
4.89
9.52
5.53
10.85
6.25
12.26
7.07
12.99
13.77
14.59
15.46
16.38
17.36
18.40
19.49
20.66
21.89
25.17
28.95
33.29
38.29
44.03
50.63
58.23
66.96
77.01
-
-
-
0.59
1.62
0.61
1.62
0.63
1.62
0.65
1.62
0.67
1.62
0.69
1.62
0.71
1.62
0.74
1.62
0.77
1.62
0.79
1.62
0.82
1.62
0.86
1.62
0.90
1.62
0.95
1.62
0.99
1.62
1.04
1.62
1.14
1.70
1.24
1.77
1.36
1.84
1.49
1.98
1.63
2.14
1.76
2.36
1.90
2.58
2.05
2.84
2.21
3.13
2.38
3.46
2.64
3.76
2.93
3.99
3.25
4.28
3.61
4.58
4.01
5.85
4.42
6.31
4.87
6.80
5.36
7.33
5.91
7.94
6.51
8.64
7.18
9.45
7.92
10.38
8.74
11.24
9.64
12.23
10.64
13.16
14.16
15.24
16.40
17.64
18.99
20.43
21.98
23.66
25.46
29.28
33.67
38.72
44.53
51.21
58.89
67.73
77.88
89.57
-
-
-
0.64
-
0.66
-
0.68
-
0.70
-
0.72
-
0.74
-
0.78
-
0.82
-
0.86
-
0.90
-
0.95
-
1.04
-
1.14
-
1.25
-
1.37
-
1.50
2.36
1.61
2.50
1.74
2.61
1.87
2.70
2.02
2.77
2.17
2.91
2.34
3.08
2.52
3.28
2.71
3.50
2.92
3.73
3.14
4.02
3.44
4.34
3.77
4.68
4.14
5.04
4.53
5.41
4.97
7.33
5.48
8.10
6.03
8.98
6.65
9.76
7.32
10.60
8.07
11.56
8.86
12.74
9.72
13.90
10.66
15.18
11.70
16.67
12.84
17.55
18.47
19.45
20.47
21.55
22.69
23.88
25.14
26.47
27.86
32.04
36.84
42.37
48.73
56.04
64.44
74.11
85.22
98.01
3.43
3.57
3.71
3.92
4.23
4.55
4.88
5.26
5.70
6.21
6.66
7.16
7.69
8.25
8.86
12.04
13.10
14.27
15.53
16.92
18.32
19.84
21.47
23.24
25.16
26.48
27.87
29.34
30.88
32.50
34.21
36.00
37.89
39.88
41.98
48.28
55.52
63.85
73.42
84.44
97.10
111.67
128.42
147.68
-
-
-
0.38
-
0.39
-
0.39
-
0.40
-
0.40
-
0.41
-
0.41
-
0.42
-
0.42
-
0.43
-
0.43
-
0.44
-
0.46
-
0.47
-
0.49
-
0.50
1.30
0.54
1.38
0.58
1.48
0.63
1.57
0.68
1.64
0.74
1.74
0.81
1.87
0.89
2.02
0.97
2.14
1.06
2.27
1.16
2.46
1.27
2.66
1.39
2.90
1.51
3.08
1.66
3.30
1.81
4.50
2.04
4.84
2.30
5.18
2.59
5.53
2.91
5.94
3.28
6.51
3.73
7.29
4.24
8.15
4.82
9.11
5.48
11.07
6.23
11.71
12.38
13.09
13.84
14.64
15.48
16.37
17.31
18.30
19.35
22.25
25.59
29.43
33.84
38.92
44.76
51.47
59.19
68.07
-
0.55
-
0.39
-
0.40
-
0.40
-
0.41
-
0.41
-
0.42
-
0.42
-
0.43
-
0.43
-
0.44
-
0.44
-
0.45
-
0.47
-
0.48
-
0.50
-
0.51
1.38
0.55
1.47
0.60
1.57
0.64
1.67
0.69
1.79
0.75
1.93
0.83
2.05
0.91
2.16
1.00
2.29
1.10
2.43
1.21
2.66
1.34
2.91
1.47
3.18
1.63
3.47
1.79
3.78
1.98
5.08
2.26
5.47
2.57
5.86
2.93
6.29
3.34
6.84
3.81
7.54
4.31
8.35
4.87
9.36
5.51
10.65
6.23
12.15
7.05
12.88
13.66
14.48
15.36
16.28
17.26
18.31
19.41
20.58
21.82
25.09
28.86
33.19
38.16
43.89
50.47
58.04
66.75
76.76
-
-
-
0.56
1.46
0.58
1.46
0.59
1.46
0.61
1.46
0.63
1.46
0.65
1.46
0.68
1.46
0.71
1.46
0.74
1.46
0.78
1.46
0.81
1.46
0.83
1.46
0.86
1.46
0.89
1.46
0.91
1.46
0.94
1.46
1.03
1.54
1.14
1.64
1.25
1.74
1.37
1.86
1.51
2.06
1.65
2.27
1.79
2.50
1.95
2.78
2.13
3.08
2.32
3.37
2.57
3.67
2.85
3.98
3.16
4.26
3.51
4.52
3.89
5.81
4.30
6.28
4.76
6.72
5.26
7.31
5.82
7.91
6.43
8.60
7.07
9.42
7.78
10.34
8.56
11.19
9.42
12.17
10.36
13.10
14.09
15.17
16.33
17.58
18.92
20.36
21.91
23.58
25.39
29.20
33.58
38.62
44.41
51.07
58.74
67.55
77.68
89.33
-
-
-
0.61
-
0.63
-
0.64
-
0.66
-
0.67
-
0.69
-
0.73
-
0.77
-
0.81
-
0.86
-
0.91
-
1.00
-
1.10
-
1.20
-
1.32
-
1.45
2.15
1.57
2.29
1.69
2.45
1.83
2.55
1.98
2.66
2.14
2.78
2.30
2.94
2.48
3.13
2.67
3.34
2.88
3.56
3.10
3.78
3.40
4.03
3.73
4.38
4.09
4.74
4.49
5.14
4.93
7.06
5.44
7.83
6.00
8.68
6.61
9.61
7.29
10.46
8.04
11.41
8.82
12.60
9.68
13.75
10.63
15.02
11.66
16.38
12.80
17.25
18.16
19.12
20.13
21.19
22.31
23.49
24.73
26.03
27.41
31.52
36.25
41.69
47.94
55.13
63.40
72.91
83.85
96.42
3.14
3.37
3.60
3.78
4.00
4.29
4.65
5.06
5.56
6.08
6.54
7.02
7.56
8.12
8.73
11.88
12.91
14.04
15.28
16.60
18.00
19.51
21.17
22.95
24.88
26.20
27.59
29.06
30.60
32.23
33.94
35.74
37.64
39.64
41.74
48.00
55.20
63.48
73.00
83.95
96.55
111.03
127.68
146.84
Base Plan Rates
TermSelect20 R&C
FEMALE
Add $50 policy fee.
$2,500,000+
Issue Elite
SMOKER
0-15
-
16-20
0.29
21
0.29
22
0.29
23
0.29
24
0.29
25
0.29
26
0.30
27
0.31
28
0.32
29
0.34
30
0.35
31
0.35
32
0.36
33
0.36
34
0.37
35
0.37
36
0.39
37
0.42
38
0.45
39
0.48
40
0.51
41
0.58
42
0.65
43
0.73
44
0.82
45
0.93
46
1.02
47
1.13
48
1.24
49
1.37
50
1.51
51
1.70
52
1.92
53
2.16
54
2.44
55
2.75
56
3.13
57
3.56
58
4.06
59
4.62
60
5.26
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
-
-
-
0.37
-
0.38
-
0.38
-
0.39
-
0.39
-
0.40
-
0.40
-
0.41
-
0.41
-
0.42
-
0.42
-
0.43
-
0.45
-
0.46
-
0.48
-
0.49
1.29
0.53
1.37
0.57
1.46
0.62
1.55
0.67
1.62
0.72
1.73
0.79
1.86
0.87
2.00
0.95
2.13
1.05
2.25
1.15
2.44
1.26
2.64
1.38
2.87
1.50
3.06
1.65
3.26
1.80
4.46
2.03
4.80
2.29
5.13
2.58
5.48
2.90
5.89
3.27
6.45
3.72
7.23
4.23
8.08
4.81
9.03
5.47
10.97
6.22
11.61
12.27
12.97
13.72
14.51
15.34
16.23
17.16
18.14
19.18
22.05
25.36
29.17
33.54
38.58
44.36
51.02
58.67
67.47
-
0.53
-
0.38
-
0.39
-
0.39
-
0.40
-
0.40
-
0.41
-
0.41
-
0.42
-
0.42
-
0.43
-
0.43
-
0.44
-
0.46
-
0.47
-
0.49
-
0.50
1.38
0.54
1.46
0.58
1.55
0.63
1.66
0.68
1.78
0.73
1.91
0.80
2.03
0.88
2.14
0.97
2.27
1.07
2.42
1.18
2.64
1.31
2.89
1.45
3.16
1.60
3.45
1.77
3.74
1.96
5.04
2.24
5.43
2.55
5.81
2.92
6.24
3.33
6.79
3.80
7.48
4.30
8.29
4.86
9.29
5.50
10.57
6.22
12.06
7.04
12.78
13.55
14.37
15.24
16.15
17.13
18.17
19.26
20.42
21.65
24.90
28.64
32.93
37.86
43.55
50.08
57.59
66.23
76.16
-
-
-
0.55
1.44
0.57
1.44
0.58
1.44
0.60
1.44
0.61
1.44
0.63
1.44
0.66
1.44
0.69
1.44
0.73
1.44
0.76
1.44
0.80
1.44
0.82
1.44
0.85
1.44
0.88
1.44
0.90
1.44
0.93
1.44
1.02
1.53
1.11
1.62
1.22
1.73
1.33
1.84
1.46
2.03
1.60
2.25
1.75
2.48
1.92
2.75
2.10
3.05
2.30
3.34
2.55
3.63
2.83
3.94
3.14
4.22
3.49
4.47
3.87
5.76
4.28
6.21
4.74
6.65
5.24
7.23
5.80
7.84
6.42
8.51
7.06
9.33
7.77
10.23
8.55
11.08
9.41
12.05
10.35
12.97
13.95
15.02
16.17
17.40
18.73
20.16
21.69
23.35
25.15
28.92
33.25
38.24
43.98
50.57
58.16
66.88
76.91
88.45
-
-
-
0.60
-
0.61
-
0.63
-
0.64
-
0.66
-
0.67
-
0.71
-
0.75
-
0.80
-
0.85
-
0.90
-
0.99
-
1.09
-
1.19
-
1.31
-
1.44
2.14
1.56
2.28
1.68
2.44
1.82
2.54
1.97
2.65
2.13
2.77
2.29
2.93
2.47
3.12
2.66
3.33
2.87
3.54
3.09
3.77
3.39
4.02
3.72
4.36
4.08
4.72
4.48
5.13
4.92
7.03
5.43
7.80
5.99
8.65
6.60
9.57
7.28
10.42
8.03
11.37
8.71
12.55
9.46
13.70
10.26
14.96
11.14
16.32
12.09
17.19
18.09
19.05
20.06
21.11
22.23
23.40
24.64
25.93
27.31
31.40
36.12
41.54
47.76
54.93
63.17
72.64
83.54
96.06
3.13
3.36
3.59
3.77
3.98
4.27
4.63
5.05
5.54
6.06
6.51
7.00
7.54
8.10
8.70
11.84
12.87
13.99
15.23
16.55
17.94
19.45
21.10
22.88
24.80
26.11
27.50
28.97
30.50
32.13
33.83
35.62
37.52
39.51
41.60
47.84
55.02
63.27
72.76
83.68
96.24
110.67
127.26
146.36
Base Plan Rates
TermSelect30 R&C
MALE
Base Plan Rates
TermSelect30 R&C
MALE
Add $50 policy fee.
Add $50 policy fee.

$50,000$99,999
$100,000$249,999
Issue Regular
Regular
age NON-SMOKER
SMOKER
NON-SMOKER
SMOKER
$250,000$499,999
Issue Elite
SMOKER
0-15
2.20
16-20
1.95
21
2.00
22
2.06
23
2.12
24
2.18
25
2.24
26
2.29
27
2.34
28
2.39
29
2.44
30
2.49
31
2.49
32
2.49
33
2.49
34
2.49
35
2.49
36
2.67
37
2.87
38
3.08
39
3.31
40
3.55
41
3.86
42
4.21
43
4.58
44
4.99
45
5.43
46
5.88
47
6.36
48
6.88
49
7.45
50
8.06
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
0-15

16-20
0.77
21
0.79
22
0.80
23
0.82
24
0.84
25
0.86
26
0.89
27
0.92
28
0.95
29
0.98
30
1.01
31
1.06
32
1.11
33
1.16
34
1.22
35
1.28
36
1.39
37
1.51
38
1.65
39
1.79
40
1.95
41
2.17
42
2.41
43
2.68
44
2.98
45
3.32
46
3.65
47
4.02
48
4.42
49
4.86
50
5.34
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

2.49

2.51

2.52

2.54

2.55

2.57

2.76

2.96

3.17

3.40
5.47
3.65
5.70
3.89
5.95
4.16
6.22
4.43
6.49
4.73
6.78
5.05
7.17
5.48
7.58
5.94
8.02
6.44
8.48
6.98
9.06
7.57
9.59
8.22
10.05
8.94
10.64
9.71
11.25
10.55
11.90
11.46
12.58
12.42
13.30
13.46
14.05
14.59
14.85
15.81
15.70
17.13
16.53
17.42
18.37
19.35
20.39
21.90
23.52
25.26
27.13
29.13
31.32
33.68
36.21
38.94
41.88
44.56
47.42
50.46
53.69
57.13
61.38
65.96
70.86
76.13
81.80
88.77
96.34
104.56
113.47
123.15

1.34

1.19

1.21

1.23

1.24

1.26

1.28

1.32

1.36

1.41

1.45

1.50

1.56

1.63

1.70

1.77

1.84

2.00

2.17

2.35

2.55

2.77

3.06

3.37

3.72

4.10

4.52
20.66
4.97
22.08
5.46
23.60
6.01
25.22
6.60
26.96
7.26
28.49
30.11
31.81
33.62
35.52
37.76
40.16
42.70
45.41
48.28
50.66
53.15
55.78
58.53
61.41
64.63
68.00
71.56
75.28
79.22
84.32
89.74
95.50
101.64
108.17
116.02
124.42
133.44
143.12
153.49

1.89

1.91

1.93

1.94

1.96

1.98

2.13

2.30

2.48

2.67
5.29
2.88
5.56
3.12
5.82
3.37
6.11
3.65
6.41
3.95
6.72
4.27
7.12
4.68
7.55
5.13
8.00
5.62
8.47
6.16
8.98
6.75
9.49
7.35
10.03
8.01
10.60
8.73
11.20
9.51
11.84
10.36
12.32
11.26
12.82
12.23
13.34
13.29
13.88
14.44
14.44
15.69
15.25
16.08
16.96
17.90
18.89
20.22
21.66
23.19
24.83
26.59
28.17
29.84
31.63
33.51
35.50
38.17
41.04
44.13
47.45
51.03
54.79
58.83
63.16
67.83
72.82
79.51
86.81
94.80
103.50
113.01
20.08
20.92
21.79
22.70
23.65
25.09
26.62
28.25
29.98
31.80
33.97
36.28
38.74
41.37
44.19
46.31
48.54
50.89
53.34
55.90
59.00
62.28
65.74
69.39
73.24
76.89
80.72
84.73
88.96
93.39
100.91
109.05
117.84
127.35
137.61

0.82

0.84

0.85

0.87

0.89

0.91

0.95

0.98

1.02

1.06

1.10

1.16

1.23

1.30

1.37

1.45

1.58

1.73

1.88

2.05

2.24

2.49

2.76

3.07

3.41

3.79
11.19
4.18
11.64
4.60
12.10
5.07
12.58
5.58
13.08
6.15
13.85
14.65
15.51
16.42
17.38
18.58
19.86
21.23
22.69
24.26
25.70
27.21
28.83
30.55
32.36
33.89
36.28
38.83
41.56
44.48
47.63
51.01
54.62
58.48
62.61
68.85
75.71
83.26
91.55
100.67

1.29

0.97

0.99

1.01

1.03

1.06

1.08

1.13

1.18

1.23

1.28

1.34

1.40

1.46

1.53

1.60

1.67

1.82

1.97

2.15

2.34

2.54

2.80

3.10

3.42

3.78

4.17
11.43
4.58
11.88
5.04
12.35
5.54
12.85
6.09
13.35
6.69
14.14
14.97
15.84
16.78
17.75
18.98
20.28
21.68
23.17
24.76
26.24
27.80
29.45
31.20
33.06
35.37
37.85
40.51
43.36
46.41
49.70
53.21
56.98
61.01
65.33
71.84
79.00
86.88
95.54
105.06

1.65

1.67

1.69

1.72

1.74

1.76

1.85

1.95

2.05

2.16
4.98
2.27
5.26
2.40
5.56
2.53
5.86
2.67
6.19
2.82
6.53
2.98
6.92
3.27
7.32
3.59
7.73
3.95
8.17
4.33
8.65
4.76
9.15
5.22
9.67
5.72
10.23
6.28
10.82
6.88
11.44
7.55
11.90
8.39
12.38
9.31
12.87
10.34
13.39
11.49
13.92
12.76
14.73
15.59
16.50
17.47
18.49
19.77
21.13
22.58
24.13
25.80
27.34
28.95
30.68
32.49
34.43
36.85
39.44
42.21
45.18
48.35
51.77
55.43
59.35
63.55
68.05
74.83
82.29
90.50
99.52
109.44

1.66

1.68

1.70

1.73

1.75

1.77

1.91

2.06

2.23

2.41

2.60

2.80

3.02

3.25

3.50

3.77

4.14

4.55

4.99

5.48

6.02

6.57

7.18

7.84

8.56

9.35
15.47
10.16
16.09
11.04
16.73
12.00
17.39
13.05
18.10
14.18
19.15
20.27
21.45
22.72
24.04
25.70
27.47
29.36
31.37
33.54
35.53
37.64
39.88
42.25
44.76
47.91
51.27
54.87
58.73
62.84
67.30
72.06
77.15
79.55
84.38
92.04
100.38
109.47
119.41
130.23
19.94
20.68
21.44
22.23
23.06
24.34
25.70
27.12
28.62
30.22
32.07
34.03
36.11
38.32
40.67
42.72
44.89
47.16
49.54
52.05
54.86
57.82
60.93
64.21
67.67
71.18
74.87
78.75
82.83
87.12
94.62
102.77
111.62
121.23
131.67
Base Plan Rates
TermSelect30 R&C
MALE
Base Plan Rates
TermSelect30 R&C
MALE
Add $50 policy fee.
Add $50 policy fee.
$500,000$999,999
Issue Elite
SMOKER
$1,000,000$2,499,999
Issue Elite
SMOKER
0-15

16-20
0.73
21
0.75
22
0.76
23
0.78
24
0.80
25
0.82
26
0.84
27
0.87
28
0.89
29
0.91
30
0.94
31
1.00
32
1.05
33
1.12
34
1.18
35
1.25
36
1.35
37
1.47
38
1.59
39
1.72
40
1.86
41
2.07
42
2.29
43
2.55
44
2.83
45
3.14
46
3.46
47
3.80
48
4.19
49
4.61
50
5.07
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
0-15

16-20
0.72
21
0.74
22
0.75
23
0.77
24
0.79
25
0.81
26
0.83
27
0.86
28
0.88
29
0.90
30
0.93
31
0.98
32
1.04
33
1.10
34
1.16
35
1.23
36
1.33
37
1.45
38
1.57
39
1.70
40
1.85
41
2.05
42
2.28
43
2.53
44
2.81
45
3.12
46
3.44
47
3.78
48
4.17
49
4.59
50
5.05
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

0.78

0.79

0.81

0.82

0.84

0.85

0.89

0.92

0.96

1.01

1.05

1.11

1.16

1.23

1.29

1.36

1.48

1.61

1.74

1.90

2.06

2.28

2.53

2.81

3.11

3.45
11.10
3.81
11.56
4.20
12.03
4.63
12.54
5.11
13.06
5.64
13.82
14.62
15.48
16.38
17.33
18.49
19.72
21.05
22.46
23.96
25.42
26.96
28.60
30.34
32.18
33.74
36.15
38.73
41.49
44.45
47.58
50.91
54.48
58.30
62.39
68.54
75.28
82.70
90.85
99.79

1.12

0.91

0.93

0.95

0.97

0.99

1.01

1.05

1.09

1.13

1.17

1.22

1.28

1.35

1.42

1.49

1.57

1.71

1.86

2.03

2.21

2.41

2.67

2.96

3.28

3.64

4.03
11.34
4.45
11.80
4.92
12.30
5.44
12.80
6.01
13.33
6.64
14.11
14.94
15.81
16.72
17.70
18.89
20.15
21.49
22.94
24.48
25.96
27.53
29.21
30.98
32.87
35.21
37.72
40.41
43.29
46.38
49.63
53.12
56.85
60.84
65.11
71.52
78.56
86.30
94.80
104.13

1.53

1.56

1.59

1.62

1.65

1.68

1.78

1.88

2.00

2.11
4.90
2.24
5.18
2.37
5.48
2.50
5.80
2.65
6.14
2.80
6.50
2.96
6.86
3.23
7.24
3.52
7.65
3.84
8.07
4.18
8.53
4.56
9.02
5.02
9.56
5.52
10.12
6.07
10.71
6.67
11.34
7.34
11.81
8.17
12.30
9.09
12.80
10.12
13.34
11.26
13.89
12.53
14.70
15.55
16.47
17.42
18.44
19.67
20.99
22.40
23.89
25.50
27.04
28.69
30.43
32.27
34.23
36.67
39.29
42.10
45.10
48.31
51.70
55.33
59.21
63.37
67.82
74.49
81.83
89.89
98.75
108.47

1.56

1.59

1.61

1.64

1.66

1.69

1.82

1.97

2.12

2.29

2.47

2.66

2.87

3.09

3.33

3.59

3.95

4.34

4.78

5.25

5.78

6.33

6.92

7.58

8.30

9.08
15.36
9.91
15.98
10.82
16.65
11.81
17.34
12.90
18.06
14.08
19.11
20.22
21.40
22.65
23.97
25.58
27.28
29.11
31.06
33.14
35.16
37.29
39.56
41.95
44.51
47.67
51.07
54.73
58.62
62.81
67.21
71.93
76.98
79.33
84.10
91.62
99.81
108.75
118.47
129.07
19.90
20.63
21.38
22.17
22.97
24.27
25.63
27.07
28.60
30.21
32.02
33.94
35.97
38.13
40.41
42.43
44.54
46.76
49.09
51.54
54.31
57.24
60.32
63.58
67.00
70.33
73.84
77.52
81.38
85.43
92.96
101.16
110.08
119.79
130.35

0.77

0.78

0.80

0.81

0.83

0.84

0.87

0.91

0.95

0.99

1.03

1.08

1.14

1.20

1.26

1.33

1.45

1.58

1.71

1.87

2.03

2.25

2.50

2.78

3.08

3.42
10.99
3.78
11.44
4.17
11.91
4.60
12.41
5.08
12.93
5.61
13.68
14.47
15.33
16.22
17.16
18.31
19.52
20.84
22.24
23.72
25.17
26.69
28.31
30.04
31.86
33.40
35.79
38.34
41.08
44.01
47.10
50.40
53.94
57.72
61.77
67.85
74.53
81.87
89.94
98.79

1.04

0.88

0.90

0.92

0.94

0.96

0.98

1.02

1.06

1.10

1.14

1.19

1.25

1.32

1.39

1.46

1.54

1.68

1.83

2.00

2.18

2.38

2.64

2.93

3.25

3.61

4.00
11.23
4.42
11.68
4.89
12.18
5.41
12.67
5.99
13.20
6.62
13.97
14.79
15.65
16.55
17.52
18.70
19.95
21.28
22.71
24.24
25.70
27.25
28.92
30.67
32.54
34.86
37.34
40.01
42.86
45.92
49.13
52.59
56.28
60.23
64.46
70.80
77.77
85.44
93.85
103.09

1.47

1.50

1.53

1.56

1.60

1.63

1.73

1.84

1.96

2.09
4.85
2.22
5.13
2.35
5.43
2.48
5.74
2.63
6.08
2.78
6.44
2.94
6.79
3.21
7.17
3.50
7.57
3.81
7.99
4.15
8.44
4.53
8.93
4.92
9.46
5.34
10.02
5.80
10.60
6.30
11.23
6.84
11.69
7.58
12.18
8.40
12.67
9.30
13.21
10.31
13.75
11.42
14.55
15.39
16.31
17.25
18.26
19.47
20.78
22.18
23.65
25.25
26.77
28.40
30.13
31.95
33.89
36.30
38.90
41.68
44.65
47.83
51.18
54.78
58.62
62.74
67.14
73.75
81.01
88.99
97.76
107.39

1.53

1.55

1.57

1.60

1.62

1.64

1.78

1.92

2.08

2.25

2.44

2.63

2.84

3.06

3.30

3.56

3.92

4.31

4.75

5.22

5.75

6.30

6.89

7.55

8.27

9.05
15.21
9.88
15.82
10.79
16.48
11.78
17.17
12.87
17.88
14.05
18.92
20.02
21.19
22.42
23.73
25.32
27.01
28.82
30.75
32.81
34.81
36.92
39.16
41.53
44.06
47.19
50.56
54.18
58.03
62.18
66.54
71.21
76.21
78.54
83.26
90.70
98.81
107.66
117.29
127.78
19.70
20.42
21.17
21.95
22.74
24.03
25.37
26.80
28.31
29.91
31.70
33.60
35.61
37.75
40.01
42.01
44.09
46.29
48.60
51.02
53.77
56.67
59.72
62.94
66.33
69.63
73.10
76.74
80.57
84.58
92.03
100.15
108.98
118.59
129.05
Base Plan Rates
TermSelect30 R&C
MALE
Add $50 policy fee.
$2,500,000+
Issue Elite
SMOKER
0-15

16-20
0.71
21
0.73
22
0.74
23
0.76
24
0.78
25
0.80
26
0.82
27
0.85
28
0.87
29
0.89
30
0.92
31
0.97
32
1.03
33
1.09
34
1.15
35
1.22
36
1.32
37
1.44
38
1.56
39
1.69
40
1.84
41
2.04
42
2.27
43
2.52
44
2.80
45
3.11
46
3.43
47
3.77
48
4.15
49
4.58
50
5.04
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

0.76

0.77

0.79

0.80

0.82

0.83

0.86

0.90

0.94

0.98

1.02

1.07

1.13

1.19

1.25

1.32

1.44

1.56

1.70

1.86

2.02

2.24

2.49

2.77

3.07

3.41
10.82
3.77
11.27
4.16
11.73
4.59
12.23
5.07
12.73
5.60
13.47
14.25
15.09
15.97
16.90
18.03
19.23
20.52
21.90
23.36
24.78
26.29
27.89
29.58
31.38
32.90
35.25
37.76
40.45
43.34
46.39
49.64
53.12
56.84
60.83
66.83
73.40
80.63
88.58
97.30

1.03

0.87

0.89

0.91

0.93

0.95

0.97

1.01

1.05

1.09

1.13

1.18

1.24

1.31

1.38

1.45

1.53

1.67

1.82

1.99

2.17

2.37

2.63

2.92

3.24

3.60

3.99
11.06
4.41
11.51
4.87
11.99
5.39
12.48
5.95
13.00
6.58
13.76
14.57
15.41
16.30
17.26
18.42
19.65
20.95
22.37
23.87
25.31
26.84
28.48
30.21
32.05
34.33
36.78
39.40
42.21
45.22
48.39
51.79
55.43
59.32
63.48
69.73
76.60
84.14
92.43
101.53

1.46

1.49

1.52

1.55

1.59

1.62

1.72

1.83

1.95

2.08
4.78
2.21
5.05
2.34
5.34
2.47
5.66
2.61
5.99
2.76
6.34
2.92
6.69
3.19
7.06
3.47
7.46
3.79
7.87
4.13
8.32
4.51
8.79
4.90
9.32
5.32
9.87
5.77
10.44
6.26
11.06
6.80
11.51
7.53
11.99
8.35
12.48
9.25
13.01
10.25
13.54
11.36
14.33
15.16
16.06
16.98
17.98
19.18
20.47
21.84
23.29
24.86
26.36
27.97
29.67
31.46
33.37
35.75
38.31
41.05
43.97
47.10
50.41
53.95
57.73
61.79
66.12
72.63
79.78
87.64
96.28
105.76

1.52

1.54

1.56

1.59

1.61

1.63

1.77

1.91

2.07

2.24

2.43

2.62

2.83

3.05

3.29

3.55

3.91

4.30

4.74

5.21

5.74

6.29

6.88

7.54

8.26

9.04
14.98
9.87
15.58
10.78
16.23
11.77
16.91
12.86
17.61
14.04
18.63
19.71
20.87
22.08
23.37
24.94
26.60
28.38
30.28
32.31
34.28
36.36
38.57
40.90
43.40
46.48
49.79
53.36
57.15
61.24
65.53
70.13
75.06
77.35
82.00
89.33
97.31
106.03
115.51
125.84
19.40
20.11
20.85
21.62
22.40
23.66
24.99
26.39
27.89
29.45
31.22
33.09
35.07
37.18
39.40
41.37
43.43
45.59
47.86
50.25
52.95
55.81
58.81
61.99
65.33
68.57
71.99
75.58
79.35
83.29
90.64
98.63
107.33
116.80
127.09
Base Plan Rates
TermSelect30 R&C
FEMALE
Base Plan Rates
TermSelect30 R&C
FEMALE
Add $50 policy fee.
Add $50 policy fee.

$50,000$99,999
$100,000$249,999
Issue Regular
Regular
age NON-SMOKER
SMOKER
NON-SMOKER
SMOKER
$250,000$499,999
Issue Elite
SMOKER
0-15
2.14
16-20
1.59
21
1.60
22
1.61
23
1.61
24
1.62
25
1.63
26
1.71
27
1.80
28
1.89
29
1.99
30
2.09
31
2.16
32
2.24
33
2.32
34
2.40
35
2.49
36
2.49
37
2.49
38
2.49
39
2.49
40
2.49
41
2.72
42
2.98
43
3.26
44
3.57
45
3.90
46
4.21
47
4.56
48
4.92
49
5.32
50
5.75
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
0-15

16-20
0.53
21
0.53
22
0.53
23
0.54
24
0.54
25
0.54
26
0.56
27
0.59
28
0.61
29
0.64
30
0.67
31
0.72
32
0.77
33
0.82
34
0.88
35
0.94
36
1.02
37
1.11
38
1.20
39
1.31
40
1.42
41
1.56
42
1.71
43
1.87
44
2.05
45
2.25
46
2.49
47
2.75
48
3.03
49
3.35
50
3.70
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

2.49

2.49

2.49

2.49

2.49

2.49

2.49

2.49

2.49

2.49
4.71
2.49
4.92
2.71
5.14
2.95
5.36
3.20
5.58
3.48
5.82
3.79
6.17
4.08
6.52
4.38
6.90
4.71
7.30
5.07
7.73
5.45
8.14
5.82
8.59
6.21
9.04
6.62
9.54
7.07
10.04
7.54
10.53
8.10
10.93
8.71
11.48
9.35
12.06
10.05
12.65
10.80
13.33
14.04
14.80
15.58
16.41
17.46
18.58
19.77
21.03
22.37
24.12
26.00
28.03
30.22
32.57
34.72
37.00
39.45
42.04
44.81
48.29
52.03
56.06
60.40
65.08
70.57
76.51
82.95
89.95
97.53

1.15

0.98

0.99

1.00

1.02

1.03

1.04

1.05

1.06

1.07

1.08

1.09

1.15

1.21

1.28

1.35

1.42

1.52

1.62

1.73

1.85

1.97

2.15

2.34

2.55

2.78

3.03
15.33
3.32
16.06
3.65
16.83
4.00
17.62
4.39
18.47
4.81
19.29
20.15
21.07
22.25
23.36
24.48
26.07
27.75
29.56
31.47
33.43
35.51
37.72
40.06
42.56
45.08
47.74
50.57
53.56
56.73
61.18
65.98
71.15
76.74
82.75
88.72
95.11
101.97
109.32
117.19

1.37

1.40

1.43

1.46

1.49

1.52

1.59

1.67

1.75

1.84
4.66
1.93
4.87
2.08
5.08
2.25
5.30
2.43
5.52
2.62
5.76
2.83
6.11
3.06
6.46
3.31
6.83
3.59
7.23
3.88
7.66
4.20
8.06
4.54
8.50
4.92
8.95
5.32
9.44
5.76
9.94
6.23
10.42
6.74
10.90
7.28
11.42
7.88
11.96
8.52
12.52
9.21
13.13
13.79
14.48
15.20
15.96
16.89
17.86
18.90
20.00
21.16
22.74
24.43
26.26
28.22
30.32
31.59
33.59
35.71
37.96
40.36
43.40
46.66
50.17
53.96
58.01
62.44
67.19
72.30
77.81
83.74
14.95
15.69
16.47
17.29
18.15
19.05
20.00
20.99
22.03
23.13
24.35
25.64
27.01
28.44
29.94
31.52
33.18
34.91
36.75
38.69
40.19
42.60
45.14
47.85
50.71
54.23
57.98
62.01
66.30
70.90
75.94
81.36
87.15
93.36
100.01

0.59

0.60

0.61

0.61

0.62

0.63

0.65

0.68

0.70

0.72

0.75

0.79

0.83

0.88

0.93

0.98

1.07

1.17

1.29

1.41

1.54

1.71

1.91

2.12

2.36

2.63
9.45
2.88
9.91
3.15
10.41
3.45
10.91
3.77
11.45
4.13
12.01
12.61
13.22
13.87
14.56
15.40
16.29
17.24
18.24
19.29
20.78
22.37
24.10
25.95
27.95
28.44
30.16
31.99
33.92
35.97
38.36
40.90
43.60
46.50
49.58
53.74
58.25
63.14
68.44
74.18

0.92

0.66

0.66

0.66

0.67

0.67

0.67

0.70

0.74

0.77

0.81

0.85

0.91

0.98

1.05

1.12

1.20

1.30

1.41

1.53

1.66

1.80

1.97

2.17

2.38

2.61

2.86
9.66
3.15
10.13
3.46
10.63
3.81
11.14
4.19
11.69
4.61
12.28
12.87
13.51
14.17
14.87
15.73
16.64
17.60
18.62
19.70
21.22
22.85
24.61
26.50
28.55
29.68
31.47
33.37
35.39
37.53
40.02
42.67
45.50
48.52
51.73
56.08
60.79
65.88
71.41
77.41

1.16

1.19

1.22

1.25

1.28

1.31

1.38

1.45

1.52

1.60
4.38
1.68
4.61
1.77
4.85
1.87
5.10
1.97
5.38
2.08
5.67
2.19
5.97
2.37
6.30
2.56
6.66
2.78
7.02
3.00
7.40
3.25
7.80
3.49
8.21
3.75
8.65
4.03
9.10
4.34
9.58
4.66
10.05
5.13
10.55
5.66
11.07
6.23
11.62
6.87
12.19
7.57
12.78
13.41
14.07
14.76
15.49
16.39
17.34
18.34
19.39
20.53
22.10
23.80
25.63
27.61
29.73
30.91
32.78
34.76
36.86
39.09
41.69
44.45
47.40
50.53
53.89
58.41
63.32
68.63
74.39
80.64

1.17

1.20

1.23

1.26

1.29

1.32

1.39

1.46

1.54

1.62

1.70

1.85

2.00

2.17

2.36

2.56

2.78

3.02

3.28

3.56

3.86

4.19

4.54

4.92

5.34

5.79
13.07
6.27
13.72
6.79
14.39
7.36
15.09
7.97
15.84
8.63
16.62
17.44
18.29
19.20
20.13
21.30
22.53
23.84
25.22
26.68
28.73
30.94
33.33
35.89
36.67
37.47
39.47
41.57
43.79
46.13
48.94
51.91
55.07
58.41
61.96
67.17
72.81
78.93
85.56
92.74
14.63
15.30
15.99
16.73
17.49
18.35
19.24
20.17
21.15
22.19
23.41
24.71
26.07
27.51
29.03
30.71
32.49
34.38
36.38
38.49
39.50
41.37
43.32
45.35
47.49
50.44
53.56
56.88
60.40
64.15
69.21
74.68
80.58
86.93
93.80
Base Plan Rates
TermSelect30 R&C
FEMALE
Base Plan Rates
TermSelect30 R&C
FEMALE
Add $50 policy fee.
Add $50 policy fee.
$500,000$999,999
Issue Elite
SMOKER
$1,000,000$2,499,999
Issue Elite
SMOKER
0-15

16-20
0.47
21
0.47
22
0.48
23
0.48
24
0.49
25
0.49
26
0.52
27
0.55
28
0.58
29
0.61
30
0.64
31
0.69
32
0.73
33
0.79
34
0.84
35
0.90
36
0.98
37
1.07
38
1.16
39
1.27
40
1.38
41
1.51
42
1.65
43
1.80
44
1.97
45
2.15
46
2.37
47
2.61
48
2.87
49
3.16
50
3.48
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
0-15

16-20
0.43
21
0.44
22
0.45
23
0.46
24
0.47
25
0.48
26
0.51
27
0.54
28
0.57
29
0.60
30
0.63
31
0.68
32
0.72
33
0.78
34
0.83
35
0.89
36
0.97
37
1.06
38
1.15
39
1.26
40
1.37
41
1.50
42
1.63
43
1.79
44
1.95
45
2.13
46
2.35
47
2.59
48
2.85
49
3.14
50
3.46
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

0.53

0.54

0.55

0.55

0.56

0.57

0.59

0.62

0.64

0.66

0.69

0.73

0.77

0.82

0.87

0.92

1.01

1.10

1.21

1.32

1.45

1.60

1.76

1.95

2.15

2.37
9.43
2.62
9.89
2.89
10.36
3.19
10.87
3.52
11.40
3.89
11.94
12.52
13.11
13.75
14.41
15.26
16.16
17.11
18.11
19.17
20.64
22.22
23.91
25.74
27.71
28.23
29.96
31.80
33.76
35.84
38.20
40.72
43.42
46.28
49.34
53.53
58.07
63.00
68.34
74.14

0.84

0.60

0.60

0.60

0.61

0.61

0.61

0.64

0.67

0.71

0.74

0.78

0.84

0.90

0.97

1.05

1.13

1.23

1.35

1.47

1.60

1.75

1.92

2.10

2.30

2.51

2.75
9.64
3.04
10.10
3.36
10.58
3.72
11.10
4.11
11.64
4.55
12.19
12.78
13.40
14.04
14.72
15.59
16.50
17.47
18.49
19.58
21.08
22.69
24.42
26.29
28.29
29.45
31.26
33.19
35.22
37.39
39.86
42.49
45.30
48.28
51.47
55.85
60.59
65.74
71.31
77.37

1.09

1.12

1.15

1.18

1.21

1.24

1.30

1.37

1.44

1.51
4.29
1.59
4.52
1.68
4.76
1.78
5.03
1.88
5.30
1.99
5.59
2.10
5.90
2.25
6.23
2.41
6.58
2.59
6.94
2.77
7.34
2.97
7.73
3.23
8.16
3.50
8.60
3.81
9.08
4.13
9.57
4.49
10.03
4.90
10.52
5.34
11.02
5.82
11.56
6.35
12.12
6.92
12.71
13.31
13.96
14.63
15.33
16.24
17.18
18.19
19.26
20.39
21.96
23.64
25.44
27.38
29.48
30.68
32.56
34.56
36.70
38.95
41.53
44.26
47.18
50.29
53.61
58.17
63.11
68.48
74.28
80.60

1.10

1.13

1.16

1.19

1.22

1.25

1.31

1.38

1.45

1.52

1.60

1.74

1.89

2.06

2.24

2.44

2.65

2.88

3.13

3.40

3.70

4.02

4.36

4.73

5.13

5.57
13.05
6.04
13.67
6.54
14.33
7.09
15.03
7.68
15.75
8.32
16.51
17.30
18.14
19.02
19.93
21.10
22.34
23.65
25.05
26.52
28.55
30.72
33.07
35.60
36.38
37.17
39.19
41.34
43.59
45.97
48.75
51.70
54.82
58.14
61.66
66.66
72.06
77.91
84.24
91.07
14.54
15.19
15.87
16.59
17.33
18.18
19.09
20.02
21.01
22.04
23.28
24.57
25.95
27.40
28.93
30.59
32.34
34.19
36.15
38.21
39.28
41.18
43.18
45.27
47.45
50.31
53.34
56.55
59.96
63.57
68.54
73.89
79.66
85.89
92.60

0.49

0.50

0.51

0.51

0.52

0.53

0.55

0.58

0.60

0.63

0.66

0.70

0.75

0.79

0.85

0.90

0.98

1.08

1.18

1.29

1.41

1.56

1.73

1.91

2.11

2.34
9.34
2.59
9.79
2.86
10.26
3.16
10.76
3.49
11.29
3.86
11.82
12.39
12.98
13.61
14.27
15.11
16.00
16.94
17.93
18.98
20.43
22.00
23.67
25.48
27.43
27.95
29.66
31.48
33.42
35.48
37.82
40.31
42.99
45.82
48.85
52.99
57.49
62.37
67.66
73.40

0.83

0.56

0.56

0.56

0.57

0.57

0.57

0.60

0.64

0.67

0.71

0.75

0.81

0.87

0.94

1.02

1.10

1.20

1.32

1.44

1.57

1.72

1.89

2.07

2.27

2.50

2.74
9.54
3.03
10.00
3.35
10.47
3.70
10.99
4.10
11.52
4.53
12.07
12.65
13.27
13.90
14.57
15.43
16.34
17.30
18.31
19.38
20.87
22.46
24.18
26.03
28.01
29.16
30.95
32.86
34.87
37.02
39.46
42.07
44.85
47.80
50.96
55.29
59.98
65.08
70.60
76.60

1.05

1.08

1.11

1.14

1.17

1.20

1.26

1.33

1.40

1.48
4.25
1.56
4.47
1.61
4.71
1.67
4.98
1.72
5.25
1.78
5.53
1.84
5.84
2.02
6.17
2.21
6.51
2.43
6.87
2.66
7.27
2.92
7.65
3.17
8.08
3.43
8.51
3.72
8.99
4.03
9.47
4.37
9.93
4.79
10.41
5.24
10.91
5.74
11.44
6.29
12.00
6.89
12.58
13.18
13.82
14.48
15.18
16.08
17.01
18.01
19.07
20.19
21.74
23.40
25.19
27.11
29.19
30.37
32.23
34.21
36.33
38.56
41.11
43.82
46.71
49.79
53.07
57.59
62.48
67.80
73.54
79.79

1.06

1.09

1.12

1.15

1.18

1.21

1.27

1.34

1.41

1.49

1.57

1.71

1.86

2.03

2.21

2.41

2.62

2.85

3.10

3.37

3.67

3.99

4.33

4.70

5.10

5.54
12.92
6.01
13.53
6.51
14.19
7.06
14.88
7.65
15.59
8.29
16.34
17.13
17.96
18.83
19.73
20.89
22.12
23.41
24.80
26.25
28.26
30.41
32.74
35.24
36.02
36.80
38.80
40.93
43.15
45.51
48.26
51.18
54.27
57.56
61.04
65.99
71.34
77.13
83.40
90.16
14.39
15.04
15.71
16.42
17.16
18.00
18.90
19.82
20.80
21.82
23.05
24.32
25.69
27.13
28.64
30.28
32.02
33.85
35.79
37.83
38.89
40.77
42.75
44.82
46.98
49.81
52.81
55.98
59.36
62.93
67.85
73.15
78.86
85.03
91.67
Base Plan Rates
TermSelect30 R&C
FEMALE
Add $50 policy fee.
$2,500,000+
Issue Elite
SMOKER
0-15

16-20
0.42
21
0.43
22
0.44
23
0.45
24
0.46
25
0.47
26
0.50
27
0.53
28
0.55
29
0.59
30
0.62
31
0.66
32
0.71
33
0.76
34
0.82
35
0.88
36
0.96
37
1.05
38
1.14
39
1.25
40
1.36
41
1.49
42
1.62
43
1.78
44
1.94
45
2.12
46
2.34
47
2.58
48
2.84
49
3.13
50
3.45
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80

0.48

0.49

0.50

0.50

0.51

0.52

0.54

0.57

0.59

0.62

0.65

0.69

0.74

0.78

0.84

0.89

0.97

1.07

1.17

1.28

1.40

1.55

1.72

1.90

2.10

2.33
9.19
2.58
9.64
2.85
10.10
3.15
10.60
3.48
11.12
3.85
11.64
12.21
12.78
13.41
14.05
14.88
15.76
16.68
17.66
18.69
20.12
21.66
23.31
25.10
27.02
27.52
29.21
31.01
32.92
34.94
37.25
39.70
42.33
45.12
48.11
52.19
56.62
61.43
66.63
72.29

0.81

0.55

0.55

0.55

0.56

0.56

0.56

0.59

0.63

0.66

0.70

0.74

0.80

0.86

0.93

1.01

1.09

1.19

1.31

1.43

1.56

1.71

1.88

2.06

2.26

2.49

2.73
9.40
3.02
9.85
3.34
10.32
3.69
10.82
4.09
11.35
4.52
11.89
12.46
13.07
13.69
14.35
15.20
16.09
17.03
18.03
19.09
20.55
22.12
23.81
25.63
27.58
28.71
30.48
32.36
34.34
36.46
38.86
41.43
44.17
47.07
50.18
54.45
59.08
64.10
69.53
75.44

1.04

1.07

1.10

1.13

1.16

1.19

1.25

1.32

1.39

1.47
4.18
1.55
4.41
1.60
4.64
1.65
4.90
1.70
5.17
1.75
5.45
1.80
5.75
1.98
6.07
2.18
6.42
2.40
6.77
2.64
7.16
2.90
7.54
3.14
7.96
3.41
8.39
3.70
8.85
4.01
9.33
4.35
9.78
4.75
10.26
5.19
10.74
5.68
11.27
6.20
11.82
6.78
12.39
12.98
13.61
14.26
14.95
15.83
16.75
17.74
18.78
19.88
21.41
23.05
24.80
26.70
28.74
29.91
31.75
33.70
35.78
37.98
40.49
43.15
46.00
49.03
52.27
56.72
61.53
66.77
72.42
78.59

1.05

1.08

1.11

1.14

1.17

1.20

1.26

1.33

1.40

1.48

1.56

1.70

1.85

2.02

2.20

2.40

2.61

2.84

3.09

3.36

3.66

3.97

4.32

4.69

5.09

5.53
12.72
5.99
13.33
6.50
13.97
7.05
14.65
7.64
15.36
8.28
16.10
16.87
17.69
18.54
19.43
20.57
21.78
23.06
24.42
25.86
27.84
29.95
32.24
34.71
35.47
36.24
38.21
40.31
42.50
44.82
47.53
50.41
53.45
56.69
60.12
64.99
70.26
75.96
82.13
88.79
14.18
14.81
15.47
16.18
16.90
17.73
18.61
19.52
20.48
21.49
22.70
23.96
25.30
26.72
28.21
29.83
31.53
33.34
35.25
37.25
38.30
40.15
42.10
44.14
46.26
49.05
52.01
55.14
58.46
61.98
66.83
72.04
77.67
83.74
90.29
Aegon
and the Aegon logo are registered trademarks of Aegon N.V. Aegon Canada ULC and its affiliated
companies are licensed to use such marks.
Transamerica and the pyramid design are registered trademarks of Transamerica Corporation.
Transamerica Life Canada is licensed to use such marks.
LP471 10/14

LP471

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Rate guide

Payment options and modal factors

All plans are renewable and convertible.

Pre-Authorized Debit (PAD)

Minimum issue amount and minimum annual premium

Built-in special options

Single Life Insurance Option

Additional Death Benefit

Last-to-die Maximum five lives

Built-in special option

Single Life Insurance Option

Band 3 $250,000 $499,999

Band 4 $500,000 $999,999

Accidental Death and Dismemberment

Band 5 $1,000,000 $2,499,999

Band 6 $2,500,000 and higher

Payor Waiver of Premium

Preferred underwriting classes for face amounts

SelectOptions Available with TermSelect30 stand-alone

decrease in the sum insured

available when TermSelect is added as a rider on a universal life plan.

along with a completed PAD form.

Sample premium calculation

2. Multiply the rate per $1,000 by the thousands of face amount.

female, age 40, preferred non-smoker

Payment mode: Monthly PAD

5. Calculate the Waiver of Premium as a percentage of the total annual premium.

Assumptions for this example:

$250,000 TermSelect30 with SelectOptions

Total annual premium

Monthly PAD premium

*Guaranteed level renewal premium to age 100.

Renewal (Next 10 years)

Add Policy Fee

Total annual premium

Monthly PAD premium

Rider premium rates

Payor Waiver of Premium

Total annual premium is $1,000.

Accidental Death and Dismemberment

issue age (at nearest

Waiver of Premium (WP)

Rates per $1,000 for both males and females:

The payor is male, age 40, and the insured is age 5.

4. Multiply the resulting percentage by the total annual premium

Payor Waiver of Premium on death or disability

Payor Waiver of Premium on death or disability

Annual rate as a percentage of premium to be waived

Annual rate as a percentage of premium to be waived

*Determined as the lesser of

*Determined as the lesser of

Base Plan Rates

Rates per $1,000 of coverage.

Use age nearest birthday.

Rates per $1,000 of coverage.

Use age nearest birthday.

For Child Rider: $6.00 per $1,000 of coverage.

Add $50 policy fee.

For Child Rider: $6.00 per $1,000 of coverage.

Base Plan Rates

Base Plan Rates

Base Plan Rates

Rates per $1,000 of coverage.

Use age nearest birthday.

Total annual premium is $1,000.

4. Multiply the resulting percentage by the total annual premium

Rates per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.

Rates per $1,000 of coverage.

Rates per $1,000 of coverage.

For Child Rider: $6.00 per $1,000 of coverage.