Term 80 provides a death benefit until age 80.

Term 80 may be converted to a permanent single life insurance plan without additional proof of insurability. If you purchase the policy between the ages of 18-45 you can convert up to age 60. If you purchase the policy between ages 46-55 you can convert during the first 15 years of the policy. If you purchase the policy between ages 56-65 you can convert up to age 70. Partial conversions are permitted, but the remaining term policy must have a minimum face value of $50,000. The premium on the new policy will be based on the insured's age at the time of the conversion.

Premiums are payable for the entire coverage period. Scheduled premiums start out low, increase annually, and are guaranteed for the first five years of the policy. After five years, they may increase above the scheduled rates, but not beyond the guaranteed rates specified in your contract.

Sample annual premiums for a $500,000 policy.

*TT Term Series, premier non-tobacco premiums. Term 80 is an indeterminate premium contract. The scheduled premiums of indeterminate premium contracts are based on the company's expectations with regard to factors such as interest rates, expenses, mortality and persistency (the length of time policyowners keep their policies). Term 80 premiums are guaranteed for five years. After five years (with regulatory approval), the company may charge more than the scheduled premiums if the company's expectations regarding pricing factors change. The new premium may be increased on subsequent policy anniversaries to the maximum premium levels printed in the contract and sales illustration. An increase in the premium will not result in an increase in benefits.

**A sex-neutral policy is available in Montana and is also available when provided by an employer as an employee life insurance fringe benefit.

The following benefits are subject to underwriting and additional cost.

• Waiver of Premium—Waives the payment of all premiums that come due during the disability of the insured person. For premiums to be waived, total disability must exist continuously for a period of six months and result from an accident or sickness. Total disability is defined in the terms of the policy contract. Available for issue ages 18-59.
  
  
• Indexed Protection Benefit—Increases the policy's death benefit in years two through ten of the policy. The increase is based on the Consumer Price Index with an annual cap of 8%. Available for issue ages 18-60.
  
  
• Indexed Protection Waiver—If the insured becomes totally disabled, this optional benefit pays the additional premium for present and future increases of the Indexed Protection Benefit that are not covered by the Waiver of Premium Benefit. Premiums for this benefit are payable for the lesser of 10 years or to age 65. This benefit is required when both Waiver of Premium and Indexed Protection Benefit are present. Available for issue ages 18-59.