31 5034

Farmers
Level Term
2000 Products
Agent
Product
Guide
For Agent Use Only
Life Insurance issued by Farmers New World Life Insurance Company, Mercer Island, WA 98040
This guide is intended for use by Farmers Insurance Representatives. It is not a sales piece and should not be
distributed or shown to the prospect or client.
31-5034
2-12
Copyright Notice and Reservation of Rights

FOR AGENT USE ONLY
The information contained in this Agent Marketing Guide is proprietary and confidential. It is intended
for the sole and exclusive use of Farmers New World Life Insurance Company and its affiliates, District
Managers, Agents and advisors, and may not be disclosed, distributed or reproduced in any form and by
any means (electronic, mechanical, photocopying recording or otherwise (to any third party without the
prior written authorization of the Companys Corporate Legal department.
Life insurance issued by Farmers New World Life Insurance Company, Mercer Island, Washington
2012 Farmers New World Life Insurance Company. All Rights Reserved.
Table of Contents
Policy Description . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Plan Codes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issue Ages . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Minimum Issue Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Policy Rate Bands . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Riders and Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Conversion Provisions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Re-entry Provisions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Underwriting . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Premium Modes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Policy Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Premium Calculation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Issued as a Rider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Cash Value . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Agent Compensation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Illustrations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Marketing Ideas . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Rate Tables . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
7-27
Policy Description
This is a portfolio of level premium term to age 90 products. The three term products in this portfolio have different premium
structures.
Ten-year product: premiums are guaranteed level for ten years. Re-entry is available for this product.
Twenty-year product: premiums are guaranteed level for twenty years. Re-entry is available for this product.
Thirty-year product: premiums are guaranteed level for thirty years. Re-entry is available for this product.
In each case, after the level premium period, the projected premiums increase annually and are not guaranteed. After the level
premium period, the guaranteed maximum premiums increase annually.
Re-entry: At the end of the first level premium period, the policy owner may elect to re-enter for another level premium period at
more favorable rates if the insured meets the medical qualifications in effect at the time of the re-entry request. If the insured has
not yet attained age 65 at the time of the re-entry request, re-entry is available at the end of:
Each 10 years for the 10-year product,

Each 20 years for the 20-year product, and
Each 30 years for the 30-year product.
Rates will never exceed the guaranteed maximums stated in the policy. The current rates for the base policy and all available riders
are shown in the back of this guide. Please refer to policy illustrations or the policy contract for the guaranteed maximum premiums.
Farmers Level Term 2000* products comply with Regulation XXX statutory requirements. These products are ideal for a variety of
personal and business life insurance needs. They are designed for both current and potential new prospects. The premiums are
priced at a level that allows sufficient protection at a competitive cost.
Plan Codes
Ten-year product
Twenty-year product
Twenty-year product
($2 million and above)
Thirty-year product
213 Standard nicotine
613 Standard non-nicotine
613 Preferred non-nicotine*
613 Premier non-nicotine*
*When applying for preferred rates, the Agent must notify the paramed service that a regular paramedical examination, not an abbreviated paramedical is required.
Write Preferred or Premier on the application. Underwriting will determine whether the proposed insured qualifies for Preferred or Premier rates.
Issue Ages
Ten-year products
18-65 Nicotine class
21-65 Non-nicotine class
Twenty-year product
Thirty-year product
Minimum Issue Amounts

$150,000
*Policy forms 2000-228 series,
2000-230 series, 2002-226 series.
Policy Rate Bands

Band 1 Face Amounts of $150,000 - $249,999
Band 4 Face Amounts of $1,000,000 - $1,999,999
Band 5 Face Amounts of $2,000,000 and above
Riders and Benefits

Waiver of Premium 1
Waives all premiums due during a qualified disability of the insured, provided the disability lasts at least six consecutive months and
begins after issue and prior to the insured's attained age 60. This benefit is available at issue only for ages 18-55.
Accidental Death Benefit 2
Provides a death benefit of up to the base policy face amount or $150,000 whichever is less (total benefit with all companies
combined, including Farmers), if death is the result of a qualified accident. This benefit will be paid provided the qualifying
accidental death occurs prior to the insured's attained age 70. This benefit is available at issue only for ages 18-60.
Children's Rider 3
This rider provides term Life insurance on the insured's children, ages 15 days to 19 years at issue. The coverage is to the child's age
22, or the insured's age 65, if earlier. Coverage is a minimum of two (2) to a maximum of ten (10) $1,000 units of level term life
insurance. Annual premiums are $10.00 per unit. This rider is available for insureds age 18-50. This rider may be added after issue
on the birth or adoption of a first child.
Accelerated Benefit Rider for Terminal Illness / Accelerated Benefit Rider For Terminal Condition in PA (ABR-TI) 4
This rider is a premium-free benefit that allows the policy owner to request an acceleration (advance payment) of up to 50 percent
of the policy face amount (less fee and actuarial discount) to a maximum of $150,000 from all Farmers Life policies, if the insured
is diagnosed with a terminal illness and is expected to live no longer than 12 months (24 months in some states), or has a condition
that requires a major organ transplant* to prevent the insured's death within the next 12 months. The benefit is available for issue
ages 18-80. Policies issued prior to age 18 become eligible to have the benefit added upon the policy owner's request once the
policy is in force for two years.
*Benefit for major organ transplant not available in all states.
Critical Illness - Accelerated Benefit Rider 5
This rider provides a lump-sum benefit to the policy owner upon the insured's first diagnosis of a covered condition. Covered
conditions in most states include: heart attack, cancer, stroke, end-stage renal failure, major organ transplant, paralysis and loss of
limb. This rider may be added to the 20- and 30-year products. The minimum benefit amount is $25,000; the maximum benefit
amount is 50% of the base policy's face amount up to $250,000.
*Not available in NJ or PA.
Conversion Provisions
The policy can be converted at any time prior to the earlier of twenty years or the insured's attained age of 65 (or if during first year
of issue, if issue age is 65). It can be converted to a permanent policy, subject to policy minimum and maximum face amount
limitations. We will make at least one permanent plan available for conversion. A partial conversion will be allowed. The remaining
term portion can either be canceled or remain in force subject to standard rules applicable to the policy and the minimum face
amount requirements. The policy is not eligible for conversion if premiums are currently being waived.
Re-Entry Provisions
Re-entry with evidence of insurability is available after 10 years for the ten-year products, after 20 years for the 20-year product or,
after 30 years for the 30-year product (subject to issue age maximums). The incentive for an insured to re-enter is that the
premiums will typically be lower over the next level premium period than if the policy is simply allowed to continue. Re-entry will
not be allowed before the end of year 10 for the 10-year products, year 20 for the 20-year products, or year 30 for the 30-year
product. If the policy owner decides to cancel the policy after it has reached the re-entry point, the lapsed policy will not count as a
lapse against the agent.
1
2
2004-97B WP CI, 2000-97B WP

1997-100 ADB (LT)
3
4
1987-107 CTIR series

2004-127 ABR-TI series
2004-CI-ABR (1-05) series, 2004-CI-ABR (30) (1-05), 2004-CI-ABR

(60) (1-05), 2004-CI-ABR (1-06) UT, 2004-CI-ABR WA (01-09),
2004-CI-ABR (3-06) SD, 2004-CI-ABR TX (5-09), 2008-CI-ABR (VA)
Underwriting
Farmers Level Term 2000 policies are subject to the same underwriting requirements as any other Farmers policy, except for those
policies submitted for preferred underwriting acceptance, which have specific underwriting requirements.
Preferred Underwriting
No personal history of:
o Coronary artery disease, diabetes, or cancer (except for minor, non-melanoma skin cancer)
o Ratable impairments.
o Nicotine use within the last year. Recreational cigar use of no more than 1 cigar a month is acceptable with a negative
nicotine result.
o Aviation activities (other than as a commercial pilot, crew or passenger) or scuba diving activities (other than dives with
beginning-level scuba certification) within the last year.
o Ratable hazardous sports participation.
Family history (if proposed insured is less than age 66):
o No coronary artery disease or cancer death in parents under age 65
Current blood pressure (without treatment):
o Ages 0-60, less than or equal to 140/90.
o Ages 61+, less than or equal to 145/90.
Current blood pressure (on treatment)
Current total cholesterol (with or without treatment) less than or equal to 270.
Current cholesterol/HDL ratio less than or equal to 6.0.
Current motor vehicle record (MVR):
o Age 35 or less:
No more than two violation in the last 3 years
No driving under the influence (DUIs) convictions, reckless driving convictions, revocations or suspensions in the last
5 years
o Age 36 or more:
No more than two violations in the last 3 years
5 years
Preferred Build Chart

Height
4'10"
4'11"
5'0"
5'1"
5'2"
5'3"
5'4"
5'5"
5'6"
5'7"
5'8"
Male
155
160
165
170
175
180
185
191
196
Height
5'9"
5'10"
5'11"
6'0"
6'1"
6'2"
6'3"
6'4"
6'5"
6'6"
6'7"
Female
143
147
153
158
163
168
173
178
183
188
194
Male
202
207
213
219
224
231
237
243
249
256
260
Female
199
205
210
216
222
228
234
240
247
FOR AGENT USE ONLY.

2012 Farmers New World Life Insurance Company. May not be reproduced without written permission from FNWL.
Premier Underwriting Guidelines

No personal history of:
o Coronary artery disease, diabetes, or cancer (except for minor, non-melanoma skin cancer).
o Ratable impairments.
o Nicotine use within the last 5 years. Recreational cigar use of no more than 6 times a year is acceptable with a negative
nicotine result.
o Aviation activities (other than as a commercial pilot, crew or passenger) or scuba diving activities (other than dives with
beginning-level scuba certification) within the last year.
o Ratable hazardous sports participation.
Family history (if proposed insured is less than age 66):
o No coronary artery disease or cancer death in parents or siblings under age 65
Current blood pressure (without treatment):
Current blood pressure (on treatment)
Current total cholesterol (with or without treatment) less than or equal to 250.
Current cholesterol/HDL ratio less than or equal to 5.5.
Current motor vehicle record (MVR):
o Age 35 or less:
No more than one violation in the last 3 years
5 years
o Age 36 or more:
No more than two violations in the last 3 years
5 years
Premier Build Chart

Height
4'10"
4'11"
5'0"
5'1"
5'2"
5'3"
5'4"
5'5"
5'6"
5'7"
5'8"
Male
145
149
154
159
164
168
173
179
184
Height
5'9"
5'10"
5'11"
6'0"
6'1"
6'2"
6'3"
6'4"
6'5"
6'6"
6'7"
Female
134
139
143
148
152
157
162
167
171
177
182
Male
189
195
200
206
211
217
223
228
234
239
245
Female
187
192
197
203
208
214
220
225
230
FOR AGENT USE ONLY.

2012 Farmers New World Life Insurance Company. May not be reproduced without written permission from FNWL.
Additional requirements for Preferred and Premier non-nicotine underwriting:

All applicants for preferred or premier underwriting require a regular paramedical examination, a blood profile and urine. An EKG
and treadmill may be required. Please refer to the current Minimum Medical Requirements chart for Preferred Plans (31-1498) for
complete details. Note: Remember to write Preferred or Premier on the application.
Premium Modes
Annual, Semi-Annual, Quarterly, Regular Monthly, Folio Deduct and Electronic Funds Transfer modes are available.
Premiums
Premiums for the Farmers Level Term 2000 products vary by age, band, sex and level premium period. The initial premium is
guaranteed to remain level for the entire initial period.
At the end of 10 years for the 10-year product and 20 years for the 20-year product, 30 years for the 30-year product, the current
premium will increase annually. If the insured qualifies through medical underwriting at the end of 10 years for the 10-year product
or 20 years for the 20-year product, or 30 years for the 30-year product (subject to issue age maximums), the insured may enter a
new premium period with guaranteed level current premiums.
The premiums consist of:
1. The base premium for the policy.
2. The premium for any applicable riders.
3. The premium for any applicable ratings or surcharges.

4. The applicable policy fee from the following schedule.
Current premiums, including riders, are shown at the end of this guide. Please refer to the policy illustration or policy contract for
maximum premiums.
Policy Fee
There is a policy fee that will be added to all premiums. This fee varies, depending on the premium payment mode selected by the
policy owner.
Mode
Policy Fee
Annual ............................................................... $76.00
Semi-Annual ...................................................... 40.00
Quarterly ........................................................... 21.00
Regular Monthly ................................................ 10.35
Electronic Funds Transfer/Folio Deduct ............
6.85
Note: Easy Pay and Electronic Funds Transfer/Folio Deduct is not available in NJ or PA
Premium Calculation
The following is an example of how to calculate the premium for the Farmers Level Term 2000 policy based on the annual mode.
This example is for a 20-year product, but the same concept works for the 10- and 30-year products.
Female, age 35, Premier non-nicotine, 20-year level premium guarantee, $250,000 death benefit with Waiver of Premium
Annual Base premium ($0.74 x 250)
Waiver of Premium Rider (.10 x 250)
Annual Policy Billing Fee ($76.00)
Total Annual Premium
=
=
=
=
$185.00
25.00
76.00
$286.00
When calculating premiums based on modes other than Annual, use the following steps:
1. Multiply the Annual rate per $1,000 by the number of thousands of face amount for the base policy and riders and/or
benefits if applicable.
2. Divide the result of step 1 by the number of payments per year (2, 4, or 12).
3. Add the appropriate policy billing fee to the result of step 2.
Issued as a Rider
This is a stand-alone product and it cannot be added as a rider to any other products we offer, now or in the future.
Cash Value
This term policy will never accumulate cash value on either a guaranteed or projected basis.
Agent Compensation
Commissions are paid according to the following schedule and commissions are paid on the policy fee.
10-, 20-and 30-year products:
Year
Percentage
1st Year ......................... 40%
Re-entry Years ............... 3%
Production Count
This policy will earn Production Count at the rate of one (1) per every five dollars ($5) of first year commissions earned.
Bonus
This product qualifies for the Life Performance Bonus.
Achievement Club
All Production Count and Issued and Paid policy count from this product will apply toward current Achievement Award
requirements.
Illustrations
Illustration capabilities for these products are available through iPipeline (COSS) from LifeNet and Field Data.
Marketing Ideas
Farmers Level Term 2000 products apply to a wide market of prospects. Some of these prospects include:
1. New prospects or existing clients who have the following personal needs for Life insurance:
Help pay mortgage
Income for spouse and children

Help fund college education at or after the death of the insured
Providing funds to help pay family debt
2. New prospects or existing clients who have the following business needs for Life insurance:
Funding a Buy/Sell agreement at the death of one owner
Providing funds to help pay off a business loan in the case of premature death
Providing funds for an income continuation guarantee for the spouse
These are just a few of the key markets and uses for the Farmers Level Term 2000 products. These products can help meet almost
any Life insurance need that arises, whether that need is in the personal market or the business market. The beauty of it is that this
product can provide for these needs at a very reasonable and competitive cost.
Farmers Level Term 2000

Annual Premium Rates
per $1,000 of Face Amount
Years 1 - 10
Plan Codes: 213/613

Level Premium Guarantee: 10 Years
Band 1 ($150,000 - $249,999)

Issue
Age
Male
Nicotine
18
19
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
56
57
58
59
60
61
62
63
64
65
3.02
3.02
3.02
3.02
3.02
3.02
3.02
3.02
3.02
3.02
3.02
3.02
3.02
3.11
3.21
3.30
3.40
3.49
3.88
4.24
4.65
5.01
5.40
5.95
6.52
7.10
7.67
8.22
8.96
9.68
10.40
11.12
11.86
13.00
14.14
15.27
16.43
17.55
19.26
20.95
22.67
24.36
26.07
29.12
32.16
35.23
38.27
41.33
Male
Standard
Non-nicotine
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.23
1.36
1.50
1.62
1.75
1.89
2.06
2.22
2.38
2.55
2.71
3.04
3.36
3.69
4.01
4.33
4.78
5.24
5.69
6.14
6.59
7.28
7.98
8.67
9.36
10.05
11.57
13.08
14.60
16.11
17.63
Male
Preferred
Non-nicotine
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.68
0.76
0.83
0.90
0.97
1.05
1.14
1.23
1.33
1.42
1.51
1.69
1.87
2.06
2.23
2.41
2.66
2.92
3.16
3.42
3.66
4.05
4.43
4.83
5.21
5.60
6.43
7.28
8.12
8.97
9.81
Male
Premier
Non-nicotine
Female
Nicotine
2.26
2.26
2.26
2.26
2.26
2.26
2.26
2.26
2.26
2.26
2.26
2.26
2.26
2.34
2.43
2.51
2.60
2.68
2.94
3.24
3.52
3.82
4.10
4.43
4.75
5.09
5.41
5.75
6.15
6.54
6.95
7.34
7.74
8.30
8.86
9.40
9.97
10.53
11.29
12.07
12.84
13.62
14.38
15.63
16.89
18.15
19.41
20.65
0.45
0.45
0.45
0.45
0.45
0.45
0.46
0.46
0.47
0.47
0.47
0.47
0.47
0.47
0.47
0.51
0.56
0.61
0.66
0.70
0.77
0.83
0.89
0.95
1.02
1.14
1.26
1.39
1.51
1.63
1.81
1.98
2.16
2.32
2.50
2.79
3.08
3.37
3.66
3.95
4.56
5.17
5.77
6.39
6.99
The initial premium is guaranteed level for the first ten years.
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.05
1.13
1.21
1.27
1.35
1.43
1.56
1.70
1.83
1.97
2.10
2.29
2.48
2.67
2.86
3.05
3.31
3.56
3.82
4.08
4.33
4.70
5.07
5.43
5.80
6.17
6.95
7.73
8.52
9.30
10.09
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.65
0.69
0.73
0.77
0.82
0.89
0.97
1.04
1.12
1.20
1.31
1.42
1.52
1.63
1.74
1.89
2.03
2.18
2.32
2.47
2.68
2.89
3.09
3.31
3.52
3.97
4.41
4.86
5.31
5.75
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.47
0.50
0.55
0.58
0.63
0.68
0.75
0.80
0.87
0.93
1.02
1.11
1.21
1.30
1.39
1.50
1.62
1.73
1.85
1.97
2.17
2.37
2.57
2.77
2.97
3.32
3.66
4.01
4.36
4.70

Years 1 - 10
Plan Codes: 213/613

Band 2 ($250,000 - $499,999)

Issue
Age
Male
Nicotine
182.70
19
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
56
57
58
59
60
61
62
63
64
65
2.70
2.70
2.70
2.70
2.70
2.70
2.70
2.70
2.70
2.70
2.70
2.70
2.78
2.87
2.95
3.04
3.12
3.46
3.80
4.14
4.48
4.82
5.32
5.81
6.33
6.84
7.34
7.98
8.63
9.29
9.93
10.59
11.61
12.62
13.65
14.67
15.67
17.20
18.71
20.24
21.75
23.28
26.00
28.73
31.45
34.18
36.90
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.84
0.89
0.96
1.02
1.08
1.14
1.25
1.35
1.46
1.56
1.68
1.83
1.98
2.13
2.28
2.44
2.64
2.84
3.05
3.25
3.45
3.74
4.03
4.33
4.62
4.91
5.54
6.17
6.78
7.41
8.03
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.51
0.55
0.58
0.61
0.65
0.71
0.77
0.84
0.89
0.96
1.05
1.13
1.22
1.30
1.39
1.50
1.62
1.73
1.85
1.97
2.13
2.30
2.47
2.64
2.80
3.16
3.52
3.86
4.22
4.58
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.37
0.40
0.44
0.47
0.50
0.55
0.59
0.65
0.69
0.74
0.82
0.88
0.96
1.03
1.11
1.20
1.28
1.39
1.47
1.56
1.72
1.89
2.04
2.21
2.37
2.65
2.92
3.19
3.46
3.74
2.02
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
0.97
1.07
1.18
1.28
1.40
1.50
1.63
1.76
1.89
2.02
2.16
2.41
2.67
2.94
3.19
3.45
3.81
4.17
4.54
4.89
5.25
5.80
6.36
6.90
7.46
8.01
9.22
10.42
11.63
12.83
14.04
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.54
0.59
0.66
0.71
0.78
0.84
0.90
0.98
1.05
1.13
1.20
1.34
1.49
1.63
1.78
1.92
2.12
2.32
2.51
2.71
2.92
3.23
3.53
3.84
4.14
4.46
5.13
5.80
6.47
7.14
7.81
2.02
2.02
2.02
2.02
2.02
2.02
2.02
2.02
2.02
2.02
2.02
2.02
2.09
2.17
2.24
2.32
2.39
2.63
2.89
3.14
3.40
3.66
3.95
4.26
4.55
4.86
5.13
5.48
5.85
6.19
6.56
6.91
7.41
7.91
8.40
8.90
9.40
10.08
10.77
11.47
12.15
12.84
13.96
15.08
16.20
17.32
18.44
0.36
0.36
0.36
0.36
0.36
0.36
0.37
0.37
0.38
0.38
0.38
0.38
0.38
0.38
0.38
0.41
0.45
0.49
0.52
0.56
0.60
0.66
0.70
0.76
0.80
0.90
1.01
1.11
1.21
1.31
1.44
1.59
1.72
1.87
2.00
2.23
2.46
2.69
2.92
3.15
3.63
4.11
4.60
5.08
5.56

Years 1 - 10
Plan Codes: 213/613

Band 3 ($500,000 - $999,999)

Issue
Age
Male
Nicotine
182.61
19
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
56
57
58
59
60
61
62
63
64
65
2.61
2.61
2.61
2.61
2.61
2.61
2.61
2.61
2.61
2.61
2.61
2.61
2.69
2.77
2.85
2.93
3.01
3.33
3.67
4.00
4.34
4.66
5.16
5.62
6.13
6.59
7.09
7.72
8.35
8.97
9.60
10.23
11.23
12.20
13.19
14.15
15.14
16.61
18.08
19.57
21.02
22.49
25.12
27.75
30.39
33.02
35.65
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.80
0.86
0.90
0.96
1.02
1.11
1.21
1.30
1.40
1.49
1.62
1.75
1.90
2.03
2.17
2.35
2.52
2.70
2.88
3.06
3.32
3.59
3.84
4.11
4.37
4.93
5.47
6.03
6.58
7.14
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.46
0.49
0.51
0.55
0.58
0.64
0.69
0.74
0.79
0.85
0.93
1.01
1.07
1.15
1.23
1.33
1.44
1.54
1.65
1.75
1.90
2.04
2.20
2.35
2.49
2.80
3.13
3.44
3.76
4.08
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.34
0.36
0.39
0.41
0.45
0.49
0.54
0.57
0.61
0.66
0.73
0.79
0.85
0.92
0.98
1.06
1.15
1.23
1.32
1.40
1.54
1.68
1.82
1.95
2.10
2.35
2.59
2.84
3.08
3.33
1.95
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.96
1.05
1.15
1.24
1.33
1.45
1.56
1.69
1.80
1.92
2.16
2.38
2.61
2.84
3.07
3.40
3.71
4.03
4.35
4.67
5.16
5.65
6.13
6.62
7.12
8.19
9.26
10.33
11.40
12.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.54
0.58
0.64
0.68
0.74
0.80
0.87
0.93
0.99
1.06
1.20
1.32
1.45
1.57
1.71
1.89
2.07
2.23
2.41
2.59
2.87
3.14
3.42
3.69
3.97
4.56
5.16
5.75
6.36
6.95
1.95
1.95
1.95
1.95
1.95
1.95
1.95
1.95
1.95
1.95
1.95
1.95
2.02
2.09
2.17
2.24
2.31
2.56
2.80
3.05
3.29
3.54
3.83
4.11
4.39
4.67
4.96
5.30
5.64
6.00
6.34
6.68
7.16
7.65
8.11
8.60
9.08
9.74
10.42
11.07
11.75
12.41
13.50
14.57
15.65
16.73
17.82
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.37
0.40
0.42
0.46
0.49
0.54
0.58
0.63
0.67
0.71
0.80
0.89
0.98
1.07
1.16
1.28
1.41
1.53
1.65
1.78
1.98
2.18
2.39
2.59
2.79
3.23
3.65
4.09
4.51
4.95

Current Annual Premium Rates
Years 1 - 10
Plan Codes: 213/613

Band 4 ($1,000,000+)
Issue
Age
Male
Nicotine
182.52
19
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
56
57
58
59
60
61
62
63
64
65
2.52
2.52
2.52
2.52
2.52
2.52
2.52
2.52
2.52
2.52
2.52
2.52
2.60
2.68
2.75
2.83
2.91
3.22
3.54
3.87
4.19
4.50
4.99
5.43
5.92
6.36
6.85
7.46
8.07
8.66
9.27
9.88
10.85
11.79
12.74
13.68
14.63
16.05
17.47
18.91
20.31
21.73
24.27
26.81
29.36
31.90
34.44
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.75
0.80
0.86
0.90
0.96
1.02
1.11
1.21
1.30
1.40
1.49
1.62
1.75
1.90
2.03
2.17
2.35
2.52
2.70
2.88
3.06
3.32
3.59
3.84
4.11
4.37
4.93
5.47
6.03
6.58
7.14
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.42
0.46
0.49
0.51
0.55
0.58
0.64
0.69
0.74
0.79
0.85
0.93
1.01
1.07
1.15
1.23
1.33
1.44
1.54
1.65
1.75
1.90
2.04
2.20
2.35
2.49
2.80
3.13
3.44
3.76
4.08
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.30
0.34
0.36
0.39
0.41
0.45
0.49
0.54
0.57
0.61
0.66
0.73
0.79
0.85
0.92
0.98
1.06
1.15
1.23
1.32
1.40
1.54
1.68
1.82
1.95
2.10
2.35
2.59
2.84
3.08
3.33
1.88
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.87
0.96
1.05
1.15
1.24
1.33
1.45
1.56
1.69
1.80
1.92
2.16
2.38
2.61
2.84
3.07
3.40
3.71
4.03
4.35
4.67
5.16
5.65
6.13
6.62
7.12
8.19
9.26
10.33
11.40
12.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.48
0.54
0.58
0.64
0.68
0.74
0.80
0.87
0.93
0.99
1.06
1.20
1.32
1.45
1.57
1.71
1.89
2.07
2.23
2.41
2.59
2.87
3.14
3.42
3.69
3.97
4.56
5.16
5.75
6.36
6.95
1.88
1.88
1.88
1.88
1.88
1.88
1.88
1.88
1.88
1.88
1.88
1.88
1.95
2.02
2.09
2.16
2.23
2.47
2.71
2.94
3.18
3.42
3.70
3.97
4.24
4.51
4.79
5.12
5.45
5.79
6.12
6.45
6.92
7.38
7.84
8.30
8.77
9.41
10.06
10.70
11.35
11.99
13.04
14.08
15.12
16.17
17.22
0.32
0.32
0.32
0.32
0.32
0.32
0.32
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.37
0.40
0.42
0.46
0.49
0.54
0.58
0.63
0.67
0.71
0.80
0.89
0.98
1.07
1.16
1.28
1.41
1.53
1.65
1.78
1.98
2.18
2.39
2.59
2.79
3.23
3.65
4.09
4.51
4.95
10

Years 1 - 20
Plan Codes: 214/614

Band 1 ($150,000 - $249,999)

Issue
Age
18
19
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
56
57
58
59
60
Male
Nicotine
3.90
3.90
3.90
3.90
3.90
3.90
3.90
3.90
3.90
3.90
3.90
3.90
3.90
4.12
4.31
4.52
4.71
4.93
5.46
5.99
6.50
7.05
7.58
8.32
9.07
9.83
10.57
11.32
12.38
13.45
14.51
15.59
16.64
18.38
20.08
21.82
23.52
25.26
27.43
29.61
31.77
33.94
36.12
Male
Standard
Non-nicotine
2.19
2.19
2.19
2.19
2.19
2.19
2.19
2.19
2.19
2.19
2.21
2.23
2.25
2.27
2.29
2.42
2.56
2.70
2.84
2.97
3.27
3.59
3.89
4.20
4.50
5.07
5.65
6.22
6.80
7.37
8.03
8.69
9.35
10.01
10.67
11.88
13.10
14.32
15.54
16.76
Male
Preferred
Non-nicotine
1.38
1.38
1.38
1.38
1.38
1.38
1.38
1.38
1.38
1.38
1.39
1.41
1.42
1.44
1.45
1.54
1.63
1.71
1.80
1.89
2.08
2.28
2.47
2.67
2.86
3.22
3.59
3.94
4.31
4.67
5.08
5.50
5.92
6.33
6.75
7.52
8.29
9.05
9.82
10.59
Male
Premier
Non-nicotine
Female
Nicotine
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.21
3.33
3.42
3.52
3.61
3.73
4.06
4.38
4.71
5.03
5.36
5.79
6.23
6.66
7.10
7.53
8.05
8.59
9.12
9.67
10.19
10.99
11.80
12.60
13.41
14.21
15.58
16.94
18.29
19.65
21.02
0.96
0.96
0.96
0.96
0.96
0.96
0.96
0.96
0.96
0.96
1.00
1.03
1.05
1.07
1.09
1.18
1.26
1.35
1.43
1.52
1.66
1.80
1.94
2.08
2.22
2.45
2.67
2.89
3.12
3.34
3.73
4.12
4.50
4.89
5.28
5.89
6.49
7.09
7.70
8.30
The initial premium is guaranteed level for the first twenty years.
11
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
1.93
2.03
2.13
2.23
2.33
2.44
2.60
2.77
2.95
3.12
3.28
3.60
3.91
4.23
4.55
4.86
5.22
5.57
5.92
6.28
6.63
7.32
7.99
8.67
9.34
10.02
1.15
1.15
1.15
1.15
1.15
1.16
1.18
1.19
1.21
1.22
1.22
1.22
1.22
1.22
1.22
1.28
1.34
1.41
1.46
1.53
1.63
1.74
1.84
1.95
2.06
2.25
2.45
2.64
2.84
3.03
3.25
3.47
3.69
3.91
4.13
4.55
4.97
5.38
5.81
6.22
0.79
0.79
0.79
0.79
0.79
0.81
0.83
0.86
0.88
0.90
0.90
0.90
0.90
0.90
0.90
0.97
1.02
1.09
1.14
1.21
1.27
1.35
1.42
1.50
1.56
1.68
1.78
1.89
1.99
2.10
2.30
2.50
2.69
2.89
3.09
3.43
3.77
4.11
4.46
4.79

Years 1 - 20
Plan Codes: 214/614

Band 2 ($250,000 - $499,999)

Issue
Age
18
19
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
56
57
58
59
60
Male
Nicotine
3.48
3.48
3.48
3.48
3.48
3.48
3.48
3.48
3.48
3.48
3.48
3.48
3.48
3.66
3.85
4.03
4.22
4.40
4.89
5.36
5.82
6.30
6.77
7.44
8.10
8.78
9.45
10.11
11.06
12.02
12.95
13.91
14.86
16.40
17.94
19.47
21.01
22.55
24.50
26.44
28.36
30.31
32.25
Male
Standard
Non-nicotine
1.80
1.80
1.80
1.80
1.80
1.80
1.80
1.79
1.79
1.79
1.82
1.84
1.84
1.86
1.88
2.01
2.13
2.26
2.38
2.51
2.77
3.04
3.30
3.56
3.83
4.39
4.95
5.51
6.07
6.63
7.37
8.11
8.85
9.59
10.33
11.55
12.77
13.98
15.20
16.42
Male
Preferred
Non-nicotine
1.13
1.13
1.13
1.13
1.13
1.13
1.13
1.13
1.13
1.13
1.14
1.15
1.16
1.18
1.19
1.28
1.37
1.43
1.52
1.61
1.77
1.94
2.11
2.28
2.44
2.78
3.13
3.48
3.83
4.16
4.63
5.09
5.56
6.03
6.49
7.28
8.07
8.86
9.65
10.44
Male
Premier
Non-nicotine
Female
Nicotine
2.87
2.87
2.87
2.87
2.87
2.87
2.87
2.87
2.87
2.87
2.87
2.87
2.87
2.96
3.06
3.14
3.24
3.33
3.62
3.91
4.21
4.50
4.79
5.17
5.56
5.95
6.34
6.72
7.19
7.68
8.15
8.63
9.10
9.81
10.55
11.24
11.98
12.69
13.90
15.13
16.33
17.56
18.77
0.78
0.78
0.78
0.78
0.78
0.78
0.78
0.78
0.78
0.78
0.80
0.82
0.84
0.85
0.89
0.96
1.03
1.10
1.17
1.24
1.37
1.48
1.60
1.71
1.84
2.07
2.29
2.53
2.75
2.98
3.40
3.81
4.21
4.62
5.03
5.65
6.27
6.91
7.53
8.15
12
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.58
1.67
1.76
1.84
1.93
2.02
2.18
2.33
2.49
2.64
2.80
3.10
3.40
3.72
4.02
4.32
4.71
5.10
5.49
5.87
6.26
6.95
7.63
8.31
8.99
9.68
0.94
0.94
0.94
0.94
0.94
0.95
0.96
0.98
0.99
1.00
1.00
1.00
1.00
1.00
1.00
1.07
1.12
1.18
1.23
1.30
1.39
1.49
1.59
1.69
1.78
1.96
2.15
2.33
2.52
2.70
2.95
3.18
3.41
3.64
3.89
4.32
4.77
5.20
5.64
6.08
0.65
0.65
0.65
0.65
0.65
0.67
0.69
0.70
0.72
0.74
0.74
0.74
0.74
0.74
0.74
0.79
0.85
0.89
0.95
1.00
1.06
1.13
1.18
1.25
1.31
1.43
1.54
1.65
1.76
1.88
2.09
2.29
2.49
2.69
2.89
3.23
3.59
3.95
4.30
4.65

Years 1 - 20
Plan Codes: 214/614

Band 3 ($500,000 - $999,999)

Issue
Age
18
19
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
56
57
58
59
60
Male
Nicotine
3.36
3.36
3.36
3.36
3.36
3.36
3.36
3.36
3.36
3.36
3.36
3.36
3.36
3.55
3.72
3.90
4.07
4.25
4.71
5.18
5.62
6.08
6.54
7.19
7.82
8.49
9.13
9.77
10.69
11.61
12.52
13.44
14.36
15.85
17.33
18.82
20.30
21.79
23.66
25.54
27.41
29.29
31.16
Male
Standard
Non-nicotine
1.48
1.48
1.48
1.48
1.48
1.49
1.49
1.50
1.50
1.51
1.53
1.55
1.56
1.57
1.59
1.73
1.86
2.02
2.15
2.28
2.51
2.73
2.95
3.18
3.40
3.94
4.50
5.02
5.58
6.12
6.93
7.75
8.58
9.40
10.22
11.44
12.66
13.87
15.09
16.31
Male
Preferred
Non-nicotine
0.93
0.93
0.93
0.93
0.93
0.93
0.93
0.93
0.93
0.93
0.94
0.94
0.95
0.96
0.97
1.05
1.14
1.21
1.30
1.39
1.52
1.66
1.80
1.94
2.07
2.40
2.73
3.06
3.38
3.71
4.23
4.73
5.25
5.77
6.27
7.08
7.90
8.70
9.52
10.33
Male
Premier
Non-nicotine
Female
Nicotine
2.77
2.77
2.77
2.77
2.77
2.77
2.77
2.77
2.77
2.77
2.77
2.77
2.77
2.87
2.97
3.04
3.14
3.22
3.50
3.78
4.07
4.35
4.63
5.00
5.38
5.74
6.12
6.49
6.94
7.42
7.87
8.34
8.79
9.48
10.18
10.87
11.57
12.26
13.44
14.63
15.79
16.97
18.14
0.64
0.64
0.64
0.64
0.64
0.64
0.64
0.64
0.64
0.64
0.66
0.68
0.69
0.71
0.73
0.79
0.84
0.90
0.95
1.01
1.12
1.21
1.31
1.40
1.51
1.74
1.97
2.22
2.45
2.68
3.11
3.53
3.95
4.38
4.81
5.45
6.10
6.75
7.40
8.04
13
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.29
1.29
1.29
1.29
1.29
1.29
1.30
1.30
1.31
1.31
1.31
1.31
1.31
1.31
1.31
1.41
1.52
1.62
1.73
1.83
1.97
2.11
2.26
2.41
2.55
2.84
3.13
3.44
3.73
4.02
4.44
4.87
5.27
5.70
6.12
6.81
7.50
8.19
8.88
9.57
0.77
0.77
0.77
0.77
0.77
0.78
0.79
0.80
0.81
0.82
0.82
0.82
0.82
0.82
0.82
0.89
0.93
1.00
1.05
1.11
1.19
1.29
1.38
1.47
1.55
1.72
1.90
2.07
2.25
2.42
2.67
2.93
3.17
3.42
3.68
4.13
4.59
5.05
5.51
5.96
0.53
0.53
0.53
0.53
0.53
0.55
0.56
0.58
0.59
0.61
0.61
0.61
0.61
0.61
0.61
0.65
0.71
0.75
0.80
0.85
0.90
0.95
1.00
1.05
1.10
1.22
1.34
1.46
1.58
1.70
1.91
2.12
2.32
2.52
2.73
3.08
3.45
3.81
4.18
4.54

Years 1 - 20
Plan Codes: 214/614

Band 4 ($1,000,000 - $1,999,999)

Issue
Age
18
19
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
56
57
58
59
60
Male
Nicotine
3.25
3.25
3.25
3.25
3.25
3.25
3.25
3.25
3.25
3.25
3.25
3.25
3.25
3.43
3.60
3.77
3.94
4.11
4.55
5.01
5.44
5.88
6.32
6.95
7.56
8.20
8.83
9.44
10.32
11.22
12.09
12.99
13.87
15.31
16.74
18.18
19.61
21.05
22.86
24.68
26.48
28.30
30.11
Male
Standard
Non-nicotine
1.29
1.29
1.29
1.29
1.29
1.31
1.33
1.35
1.37
1.39
1.40
1.43
1.43
1.45
1.46
1.60
1.74
1.89
2.03
2.16
2.35
2.53
2.71
2.90
3.08
3.60
4.14
4.65
5.19
5.71
6.60
7.51
8.41
9.32
10.22
11.44
12.66
13.87
15.09
16.31
Male
Preferred
Non-nicotine
0.76
0.76
0.76
0.76
0.76
0.77
0.78
0.80
0.81
0.82
0.83
0.83
0.84
0.85
0.86
0.94
1.02
1.10
1.18
1.27
1.38
1.49
1.59
1.70
1.81
2.12
2.44
2.74
3.05
3.36
3.93
4.48
5.04
5.61
6.16
7.00
7.83
8.66
9.49
10.33
Male
Premier
Non-nicotine
Female
Nicotine
2.68
2.68
2.68
2.68
2.68
2.68
2.68
2.68
2.68
2.68
2.68
2.68
2.68
2.78
2.87
2.93
3.03
3.11
3.38
3.65
3.93
4.20
4.47
4.82
5.19
5.55
5.92
6.27
6.71
7.17
7.60
8.05
8.49
9.16
9.84
10.50
11.18
11.85
12.99
14.14
15.26
16.40
17.53
0.53
0.53
0.53
0.53
0.53
0.54
0.55
0.55
0.56
0.57
0.58
0.58
0.59
0.59
0.60
0.66
0.72
0.78
0.83
0.89
0.97
1.04
1.13
1.20
1.28
1.52
1.76
2.00
2.24
2.48
2.92
3.37
3.80
4.26
4.70
5.37
6.03
6.71
7.37
8.04
14
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.07
1.07
1.07
1.07
1.07
1.10
1.13
1.16
1.19
1.22
1.22
1.22
1.22
1.22
1.22
1.33
1.43
1.54
1.64
1.75
1.88
2.01
2.15
2.28
2.41
2.69
2.97
3.27
3.55
3.83
4.29
4.74
5.18
5.63
6.09
6.79
7.48
8.18
8.87
9.57
0.63
0.63
0.63
0.63
0.63
0.65
0.67
0.68
0.70
0.72
0.72
0.72
0.72
0.72
0.72
0.79
0.84
0.91
0.97
1.03
1.10
1.19
1.27
1.35
1.42
1.58
1.75
1.92
2.09
2.25
2.51
2.79
3.04
3.30
3.58
4.05
4.53
5.01
5.49
5.96
0.44
0.44
0.44
0.44
0.44
0.45
0.46
0.48
0.49
0.50
0.50
0.50
0.50
0.50
0.50
0.54
0.59
0.63
0.67
0.72
0.77
0.83
0.88
0.95
1.00
1.13
1.25
1.38
1.50
1.63
1.84
2.06
2.25
2.46
2.67
3.03
3.42
3.78
4.17
4.54

Years 1 - 20
Plan Codes: 219/619

Band 5 ($2,000,000 and above)

Issue
Age
18
19
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
56
57
58
59
60
Male
Nicotine
2.58
2.58
2.58
2.58
2.58
2.58
2.58
2.58
2.65
2.72
2.79
2.86
2.94
3.01
3.09
3.17
3.25
3.34
3.64
3.98
4.34
4.74
5.17
5.64
6.16
6.72
7.33
8.00
8.62
9.28
10.00
10.77
11.61
12.50
13.47
14.51
15.63
16.84
18.14
19.54
21.05
22.68
24.43
Male
Standard
Non-nicotine
0.92
0.92
0.92
0.92
0.92
0.94
0.97
0.99
1.02
1.05
1.07
1.10
1.13
1.16
1.19
1.29
1.39
1.51
1.63
1.76
1.91
2.06
2.23
2.41
2.61
2.85
3.10
3.38
3.69
4.02
4.38
4.78
5.21
5.68
6.19
6.75
7.36
8.02
8.74
9.53
Male
Preferred
Non-nicotine
0.67
0.67
0.67
0.67
0.67
0.68
0.68
0.69
0.70
0.70
0.71
0.72
0.73
0.73
0.74
0.80
0.87
0.94
1.02
1.11
1.20
1.30
1.41
1.53
1.66
1.84
2.03
2.25
2.49
2.75
3.04
3.37
3.73
4.12
4.56
5.04
5.58
6.17
6.83
7.56
Male
Premier
Non-nicotine
Female
Nicotine
2.35
2.35
2.35
2.35
2.35
2.35
2.35
2.35
2.36
2.38
2.39
2.41
2.42
2.43
2.45
2.46
2.48
2.49
2.68
2.88
3.10
3.33
3.58
3.85
4.14
4.45
4.79
5.15
5.54
5.96
6.41
6.89
7.41
7.97
8.57
9.22
9.91
10.66
11.46
12.33
13.26
14.26
15.34
0.47
0.47
0.47
0.47
0.47
0.47
0.48
0.48
0.49
0.49
0.50
0.50
0.51
0.51
0.52
0.56
0.61
0.65
0.71
0.76
0.82
0.89
0.96
1.04
1.12
1.25
1.39
1.54
1.72
1.91
2.12
2.36
2.63
2.92
3.25
3.62
4.02
4.47
4.98
5.54
15
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
0.90
0.90
0.90
0.90
0.90
0.92
0.95
0.95
0.96
0.96
0.96
0.97
0.97
0.98
0.98
1.05
1.13
1.21
1.30
1.39
1.49
1.60
1.72
1.85
1.98
2.15
2.33
2.53
2.74
2.97
3.23
3.50
3.80
4.12
4.47
4.85
5.26
5.71
6.19
6.72
0.52
0.52
0.52
0.52
0.52
0.53
0.54
0.55
0.57
0.58
0.59
0.60
0.61
0.63
0.64
0.69
0.75
0.81
0.88
0.95
1.03
1.12
1.21
1.31
1.42
1.55
1.70
1.86
2.04
2.24
2.45
2.68
2.94
3.21
3.52
3.85
4.22
4.62
5.06
5.54
0.39
0.39
0.39
0.39
0.39
0.39
0.40
0.40
0.41
0.41
0.41
0.42
0.42
0.43
0.43
0.46
0.50
0.54
0.58
0.63
0.68
0.73
0.79
0.85
0.92
1.02
1.12
1.24
1.37
1.51
1.67
1.85
2.04
2.25
2.49
2.75
3.04
3.36
3.71
4.10

Years 1 - 30
Plan Codes: 215/615

Band 1 ($150,000 - $249,999)

Issue
Age
18
19
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
Male
Nicotine
6.06
6.06
6.06
6.06
6.06
6.06
6.06
6.06
6.08
6.12
6.16
6.18
6.23
6.46
6.68
6.91
7.21
7.47
8.09
8.76
9.53
10.36
11.27
12.89
14.73
16.51
16.51
16.51
Male
Standard
Non-nicotine
2.56
2.56
2.56
2.56
2.56
2.57
2.59
2.60
2.62
2.64
2.69
2.76
2.83
2.92
3.00
3.16
3.33
3.52
3.73
3.97
4.33
4.76
5.22
5.73
6.30
6.61
6.93
7.03
7.03
7.03
Male
Preferred
Non-nicotine
1.94
1.94
1.94
1.94
1.94
1.95
1.97
1.98
1.99
2.00
2.04
2.10
2.17
2.22
2.29
2.42
2.55
2.71
2.87
3.06
3.36
3.70
4.08
4.49
4.95
5.53
6.00
6.49
7.03
7.03
Male
Premier
Non-nicotine
Female
Nicotine
4.45
4.45
4.45
4.45
4.45
4.45
4.45
4.45
4.46
4.49
4.51
4.55
4.57
4.69
4.89
4.97
5.15
5.30
5.65
6.02
6.45
6.92
7.44
7.94
8.49
9.09
9.77
10.51
1.47
1.47
1.47
1.47
1.47
1.49
1.51
1.52
1.54
1.56
1.61
1.65
1.70
1.74
1.80
1.90
2.01
2.13
2.27
2.41
2.64
2.90
3.22
3.54
3.89
4.43
5.06
5.74
6.50
7.03
The initial premium is guaranteed level for the first thirty years.
16
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
2.07
2.07
2.07
2.07
2.07
2.08
2.09
2.10
2.11
2.12
2.16
2.19
2.23
2.28
2.33
2.46
2.60
2.75
2.93
3.12
3.36
3.65
3.97
4.31
4.70
5.21
5.72
6.23
6.75
7.03
1.53
1.53
1.53
1.53
1.53
1.54
1.54
1.55
1.56
1.57
1.61
1.64
1.68
1.71
1.74
1.84
1.97
2.09
2.23
2.38
2.58
2.81
3.07
3.35
3.65
4.16
4.71
5.34
6.02
6.77
1.17
1.17
1.17
1.17
1.17
1.18
1.20
1.21
1.23
1.24
1.26
1.28
1.31
1.34
1.37
1.45
1.54
1.64
1.75
1.88
2.03
2.21
2.41
2.62
2.87
3.27
3.70
4.19
4.74
5.33

Years 1 - 30
Plan Codes: 215/615

Band 2 ($250,000 - $499,999)

Issue
Age
18
19
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
Male
Nicotine
5.41
5.41
5.41
5.41
5.41
5.41
5.41
5.41
5.44
5.46
5.49
5.52
5.56
5.73
5.96
6.17
6.40
6.67
7.21
7.82
8.50
9.24
10.06
11.34
12.78
14.37
14.74
14.74
Male
Standard
Non-nicotine
2.22
2.22
2.22
2.22
2.22
2.23
2.26
2.27
2.29
2.30
2.36
2.42
2.49
2.58
2.67
2.83
2.99
3.18
3.40
3.63
4.00
4.42
4.88
5.40
5.96
6.28
6.59
6.89
7.03
7.03
Male
Preferred
Non-nicotine
1.62
1.62
1.62
1.62
1.62
1.64
1.66
1.68
1.70
1.72
1.76
1.80
1.85
1.89
1.94
2.09
2.21
2.39
2.56
2.76
3.02
3.31
3.64
4.01
4.40
4.75
5.18
5.62
6.10
6.41
Male
Premier
Non-nicotine
Female
Nicotine
3.97
3.97
3.97
3.97
3.97
3.97
3.97
3.97
3.98
4.01
4.04
4.06
4.08
4.21
4.31
4.44
4.57
4.73
5.03
5.38
5.76
6.18
6.64
7.07
7.57
8.11
8.72
9.38
1.19
1.19
1.19
1.19
1.19
1.20
1.22
1.23
1.27
1.29
1.32
1.36
1.39
1.43
1.47
1.57
1.69
1.81
1.94
2.09
2.28
2.51
2.78
3.07
3.36
3.84
4.37
4.97
5.63
6.21
17
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.73
1.73
1.73
1.73
1.73
1.74
1.75
1.76
1.78
1.79
1.82
1.85
1.90
1.94
2.00
2.12
2.27
2.41
2.59
2.78
3.03
3.32
3.63
3.98
4.37
4.87
5.38
5.90
6.41
6.93
1.28
1.28
1.28
1.28
1.28
1.30
1.30
1.32
1.34
1.36
1.38
1.41
1.44
1.46
1.49
1.59
1.71
1.82
1.97
2.11
2.30
2.51
2.74
2.99
3.26
3.68
4.14
4.66
5.23
5.85
0.96
0.96
0.96
0.96
0.96
0.97
0.98
0.99
1.01
1.02
1.04
1.06
1.07
1.10
1.12
1.20
1.28
1.38
1.48
1.60
1.74
1.90
2.08
2.26
2.48
2.82
3.18
3.60
4.07
4.58

Years 1 - 30
Plan Codes: 215/615

Band 3 ($500,000 +)
Issue
Age
18
19
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
Male
Nicotine
5.23
5.23
5.23
5.23
5.23
5.23
5.23
5.23
5.25
5.28
5.30
5.33
5.37
5.53
5.73
5.95
6.18
6.44
6.96
7.55
8.21
8.93
9.72
10.91
12.23
13.72
14.24
14.24
Male
Standard
Non-nicotine
2.11
2.11
2.11
2.11
2.11
2.12
2.14
2.16
2.18
2.19
2.25
2.31
2.38
2.47
2.56
2.71
2.88
3.07
3.28
3.52
3.93
4.37
4.80
5.28
5.85
6.17
6.48
6.78
7.03
7.03
Male
Preferred
Non-nicotine
1.35
1.35
1.35
1.35
1.35
1.38
1.41
1.43
1.46
1.49
1.52
1.55
1.59
1.62
1.66
1.81
1.94
2.12
2.29
2.49
2.72
2.97
3.26
3.57
3.92
4.23
4.60
4.99
5.42
5.78
Male
Premier
Non-nicotine
Female
Nicotine
3.84
3.84
3.84
3.84
3.84
3.84
3.84
3.84
3.85
3.88
3.90
3.92
3.94
4.07
4.17
4.29
4.42
4.57
4.86
5.19
5.56
5.97
6.42
6.84
7.32
7.84
8.43
9.06
0.96
0.96
0.96
0.96
0.96
0.97
1.00
1.01
1.04
1.08
1.10
1.13
1.15
1.18
1.21
1.31
1.42
1.54
1.67
1.82
1.98
2.17
2.40
2.63
2.88
3.29
3.74
4.25
4.81
5.39
18
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.62
1.62
1.62
1.62
1.62
1.63
1.64
1.65
1.66
1.68
1.71
1.74
1.79
1.83
1.89
2.01
2.16
2.30
2.48
2.67
2.92
3.21
3.52
3.86
4.26
4.76
5.27
5.79
6.30
6.81
1.07
1.07
1.07
1.07
1.07
1.09
1.09
1.14
1.17
1.19
1.21
1.23
1.24
1.26
1.28
1.38
1.49
1.61
1.75
1.89
2.05
2.24
2.44
2.66
2.91
3.24
3.62
4.03
4.49
4.99
0.80
0.80
0.80
0.80
0.80
0.81
0.82
0.83
0.84
0.85
0.87
0.88
0.89
0.91
0.93
1.00
1.07
1.17
1.26
1.37
1.49
1.62
1.78
1.95
2.13
2.42
2.72
3.07
3.47
3.89

Years 1 - 30
Plan Codes: 215/615

Band 4 ($1,000,000+)
Issue
Age
18
19
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
Male
Nicotine
5.05
5.05
5.05
5.05
5.05
5.05
5.05
5.05
5.07
5.10
5.12
5.15
5.19
5.35
5.53
5.75
5.97
6.22
6.72
7.30
7.93
8.62
9.39
10.54
11.82
13.26
13.76
13.76
Male
Standard
Non-nicotine
2.01
2.01
2.01
2.01
2.01
2.03
2.08
2.12
2.17
2.19
2.24
2.29
2.35
2.42
2.50
2.66
2.84
3.04
3.27
3.52
3.93
4.37
4.80
5.28
5.85
6.17
6.48
6.78
7.03
7.03
Male
Preferred
Non-nicotine
1.18
1.18
1.18
1.18
1.18
1.22
1.26
1.29
1.33
1.37
1.39
1.40
1.43
1.45
1.47
1.63
1.76
1.95
2.12
2.33
2.53
2.74
2.98
3.24
3.53
3.80
4.13
4.47
4.85
5.16
Male
Premier
Non-nicotine
Female
Nicotine
3.71
3.71
3.71
3.71
3.71
3.71
3.71
3.71
3.72
3.75
3.77
3.79
3.81
3.93
4.03
4.15
4.27
4.42
4.70
5.01
5.37
5.77
6.20
6.60
7.07
7.58
8.14
8.75
0.83
0.83
0.83
0.83
0.83
0.84
0.87
0.89
0.92
0.96
0.97
0.99
1.01
1.02
1.04
1.14
1.25
1.37
1.50
1.65
1.78
1.94
2.12
2.31
2.51
2.84
3.22
3.63
4.09
4.57
19
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.62
1.62
1.62
1.62
1.62
1.63
1.64
1.65
1.66
1.68
1.71
1.74
1.79
1.83
1.89
2.01
2.16
2.30
2.48
2.67
2.92
3.21
3.52
3.86
4.26
4.76
5.27
5.78
6.29
6.80
0.97
0.97
0.97
0.97
0.97
1.00
1.00
1.07
1.10
1.13
1.14
1.15
1.16
1.17
1.18
1.28
1.39
1.50
1.65
1.78
1.92
2.08
2.25
2.45
2.66
2.91
3.20
3.51
3.85
4.23
0.68
0.68
0.68
0.68
0.68
0.70
0.72
0.74
0.77
0.79
0.80
0.80
0.81
0.82
0.83
0.90
0.96
1.06
1.15
1.25
1.35
1.46
1.60
1.73
1.89
2.13
2.37
2.65
2.96
3.30

Plan Codes: 213/613
Waiver of Premium Benefit (Bands 1, 2, 3, 4)
Rates per $1,000 of Face Amount
Years 1-10
Issue
Age
Male
Nicotine
180.21
19
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
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.21
0.22
0.22
0.23
0.23
0.23
0.23
0.25
0.28
0.32
0.37
0.41
0.47
0.51
0.57
0.63
0.68
0.75
0.84
0.94
1.04
1.15
1.26
1.47
1.74
2.06
2.41
2.79
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.10
0.10
0.10
0.11
0.13
0.15
0.17
0.18
0.20
0.22
0.25
0.27
0.29
0.32
0.37
0.40
0.44
0.48
0.56
0.65
0.75
0.87
0.99
0.04
0.04
0.04
0.04
0.04
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.07
0.08
0.08
0.09
0.10
0.11
0.13
0.13
0.16
0.17
0.19
0.21
0.22
0.25
0.28
0.31
0.37
0.42
0.49
0.57
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.04
0.06
0.07
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.15
0.16
0.18
0.20
0.21
0.25
0.29
0.34
0.39
0.45
0.16
0.10
0.10
0.10
0.10
0.10
0.10
0.10
0.10
0.10
0.10
0.11
0.11
0.11
0.12
0.12
0.13
0.16
0.19
0.20
0.25
0.27
0.29
0.32
0.35
0.38
0.44
0.49
0.55
0.61
0.68
0.80
0.95
1.12
1.31
1.51
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.07
0.07
0.07
0.07
0.08
0.09
0.10
0.11
0.13
0.15
0.17
0.18
0.19
0.21
0.25
0.27
0.30
0.35
0.38
0.45
0.52
0.61
0.73
0.84
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.17
0.17
0.18
0.18
0.18
0.21
0.23
0.27
0.30
0.35
0.38
0.42
0.46
0.49
0.54
0.60
0.66
0.71
0.79
0.86
0.98
1.16
1.35
1.57
1.81
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.03
0.04
0.04
0.04
0.04
0.04
0.04
0.04
0.06
0.06
0.07
0.08
0.09
0.10
0.11
0.12
0.13
0.15
0.17
0.19
0.21
0.23
0.26
0.30
0.36
0.42
0.49
0.57
20

Plan Codes: 213/613
Years 11+
Attained
Age
Male
Nicotine
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
280.24
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
56
57
58
59
0.14
0.26
0.26
0.29
0.30
0.32
0.34
0.38
0.42
0.49
0.56
0.64
0.75
0.84
0.95
1.06
1.18
1.34
1.50
1.69
1.88
2.11
2.37
2.75
3.27
3.91
4.70
5.57
6.14
6.71
7.32
7.96
0.14
0.14
0.14
0.16
0.17
0.17
0.19
0.20
0.22
0.24
0.28
0.31
0.36
0.39
0.43
0.48
0.52
0.58
0.64
0.71
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.14
0.14
0.14
0.16
0.17
0.17
0.19
0.20
0.22
0.24
0.28
0.31
0.36
0.39
0.43
0.48
0.52
0.58
0.64
0.71
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.19
0.14
0.14
0.16
0.17
0.17
0.19
0.20
0.22
0.24
0.28
0.31
0.36
0.39
0.43
0.48
0.52
0.58
0.64
0.71
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.11
0.20
0.20
0.23
0.24
0.26
0.29
0.30
0.35
0.39
0.44
0.51
0.60
0.68
0.77
0.85
0.94
1.04
1.15
1.26
1.38
1.53
1.68
1.91
2.22
2.62
3.07
3.57
3.84
4.08
4.31
4.55
0.11
0.12
0.13
0.13
0.14
0.14
0.16
0.17
0.19
0.21
0.24
0.28
0.32
0.35
0.39
0.42
0.46
0.51
0.56
0.61
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
0.11
0.12
0.13
0.13
0.14
0.14
0.16
0.17
0.19
0.21
0.24
0.28
0.32
0.35
0.39
0.42
0.46
0.51
0.56
0.61
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
0.12
0.13
0.13
0.14
0.14
0.16
0.17
0.19
0.21
0.24
0.28
0.32
0.35
0.39
0.42
0.46
0.51
0.56
0.61
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
21

Plan Codes: 214/614, 219/619
Waiver of Premium Benefit (Bands 1, 2, 3, 4, 5)
Years 1-20
Issue
Age
Male
Nicotine
180.27
19
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
0.27
0.27
0.27
0.27
0.27
0.27
0.27
0.27
0.27
0.27
0.28
0.28
0.31
0.32
0.35
0.36
0.40
0.44
0.50
0.56
0.61
0.69
0.77
0.86
0.95
1.04
1.14
1.28
1.44
1.60
1.76
1.95
2.26
2.66
3.12
3.64
4.20
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.16
0.17
0.17
0.17
0.17
0.18
0.18
0.19
0.21
0.22
0.25
0.28
0.31
0.34
0.37
0.39
0.42
0.46
0.51
0.58
0.64
0.69
0.76
0.87
1.01
1.16
1.33
1.52
0.09
0.09
0.09
0.09
0.09
0.11
0.11
0.11
0.11
0.11
0.11
0.11
0.11
0.12
0.12
0.13
0.15
0.16
0.18
0.19
0.21
0.23
0.25
0.27
0.29
0.32
0.36
0.39
0.44
0.48
0.55
0.63
0.71
0.83
0.95
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.08
0.09
0.09
0.09
0.10
0.10
0.10
0.12
0.12
0.15
0.15
0.17
0.18
0.19
0.20
0.22
0.25
0.26
0.28
0.30
0.34
0.38
0.46
0.52
0.61
0.71
0.22
0.19
0.19
0.19
0.19
0.19
0.19
0.19
0.19
0.19
0.19
0.21
0.21
0.21
0.22
0.23
0.25
0.27
0.31
0.34
0.38
0.42
0.47
0.52
0.57
0.63
0.73
0.83
0.93
1.05
1.16
1.34
1.56
1.83
2.13
2.45
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.12
0.13
0.13
0.13
0.15
0.16
0.18
0.19
0.21
0.25
0.27
0.30
0.34
0.37
0.39
0.46
0.52
0.59
0.66
0.74
0.85
0.98
1.15
1.35
1.54
0.22
0.22
0.22
0.22
0.22
0.22
0.22
0.22
0.22
0.22
0.22
0.22
0.25
0.25
0.27
0.28
0.29
0.32
0.36
0.39
0.44
0.49
0.54
0.59
0.63
0.68
0.74
0.82
0.89
0.97
1.07
1.15
1.32
1.53
1.78
2.06
2.35
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.09
0.10
0.10
0.10
0.11
0.11
0.12
0.13
0.16
0.17
0.19
0.21
0.23
0.26
0.28
0.30
0.35
0.39
0.44
0.48
0.52
0.63
0.74
0.88
1.04
1.21
22

Plan Codes: 214/614, 219/619
Waiver of Premium Benefit (Bands 1, 2, 3, 4, 5)
Years 21+
Attained
Age
Male
Nicotine
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
0.56
0.64
0.75
0.84
0.95
1.06
1.18
1.34
1.50
1.69
1.88
2.11
2.37
2.75
3.27
3.91
4.70
5.57
6.14
6.71
7.32
7.96
0.28
0.31
0.36
0.39
0.43
0.48
0.52
0.58
0.64
0.71
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.28
0.31
0.36
0.39
0.43
0.48
0.52
0.58
0.64
0.71
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.28
0.31
0.36
0.39
0.43
0.48
0.52
0.58
0.64
0.71
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.44
0.51
0.60
0.68
0.77
0.85
0.94
1.04
1.15
1.26
1.38
1.53
1.68
1.91
2.22
2.62
3.07
3.57
3.84
4.08
4.31
4.55
0.24
0.28
0.32
0.35
0.39
0.42
0.46
0.51
0.56
0.61
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
0.24
0.28
0.32
0.35
0.39
0.42
0.46
0.51
0.56
0.61
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
0.24
0.28
0.32
0.35
0.39
0.42
0.46
0.51
0.56
0.61
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
23

Plan Codes: 215/615
Years 1-30
Attained
Age
18
19
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
Male
Nicotine
0.46
0.46
0.46
0.46
0.46
0.46
0.46
0.47
0.47
0.48
0.48
0.50
0.51
0.55
0.55
0.56
0.56
0.60
0.66
0.77
0.88
0.99
1.16
1.27
1.41
1.56
1.72
1.80
Male
Standard
Non-nicotine
0.23
0.23
0.23
0.23
0.23
0.25
0.25
0.25
0.26
0.26
0.29
0.29
0.30
0.32
0.34
0.35
0.38
0.44
0.47
0.52
0.59
0.65
0.74
0.80
0.90
0.97
1.03
1.09
1.17
1.24
Male
Preferred
Non-nicotine
0.19
0.19
0.19
0.19
0.19
0.19
0.19
0.20
0.20
0.20
0.20
0.22
0.23
0.23
0.26
0.28
0.30
0.32
0.37
0.42
0.46
0.51
0.58
0.65
0.70
0.79
0.88
0.97
1.07
1.19
Male
Premier
Non-nicotine
Female
Nicotine
0.34
0.34
0.34
0.34
0.34
0.34
0.34
0.35
0.35
0.35
0.36
0.36
0.37
0.39
0.39
0.41
0.44
0.44
0.49
0.55
0.60
0.68
0.78
0.85
0.94
1.01
1.12
1.24
0.13
0.13
0.13
0.13
0.13
0.13
0.15
0.15
0.15
0.15
0.17
0.18
0.18
0.20
0.20
0.21
0.23
0.27
0.29
0.32
0.36
0.40
0.45
0.50
0.56
0.66
0.78
0.90
1.05
1.21
24
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
0.18
0.18
0.18
0.18
0.18
0.18
0.18
0.19
0.20
0.20
0.20
0.21
0.22
0.23
0.26
0.28
0.29
0.32
0.37
0.42
0.46
0.51
0.55
0.61
0.69
0.78
0.88
0.97
1.06
1.17
0.12
0.12
0.12
0.12
0.12
0.16
0.16
0.16
0.16
0.17
0.17
0.17
0.18
0.19
0.20
0.21
0.23
0.26
0.29
0.31
0.36
0.40
0.44
0.49
0.55
0.64
0.73
0.84
0.97
1.13
0.11
0.11
0.11
0.11
0.11
0.11
0.11
0.11
0.12
0.12
0.13
0.13
0.15
0.16
0.16
0.16
0.20
0.20
0.25
0.25
0.29
0.32
0.36
0.38
0.45
0.52
0.58
0.67
0.78
0.93

Plan Codes: 215/615
Years 31+
Attained
Age
48
49
50
51
52
53
54
55
56
57
58
59
Male
Nicotine
Male
Standard
Non-nicotine
Male
Preferred
Non-nicotine
Male
Premier
Non-nicotine
Female
Nicotine
Female
Standard
Non-nicotine
Female
Preferred
Non-nicotine
Female
Premier
Non-nicotine
1.88
2.11
2.37
2.75
3.27
3.91
4.70
5.57
6.14
6.71
7.32
7.96
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
0.79
0.89
0.98
1.14
1.35
1.61
1.93
2.30
2.56
2.82
3.10
3.42
1.38
1.53
1.68
1.91
2.22
2.62
3.07
3.57
3.84
4.08
4.31
4.55
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
0.67
0.73
0.80
0.92
1.08
1.27
1.49
1.74
1.88
2.01
2.14
2.28
25

Accidental Death Benefit (Bands 1, 2, 3, 4)
Rates per $1,000
Plan Codes 213/613
Issue Age
18
19
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
56
57
58
59
60
Male
Female
0.28
0.28
0.28
0.28
0.28
0.28
0.28
0.28
0.28
0.28
0.29
0.29
0.29
0.29
0.29
0.29
0.29
0.29
0.32
0.35
0.37
0.40
0.43
0.47
0.51
0.55
0.59
0.63
0.71
0.79
0.87
0.95
1.03
1.14
1.25
1.36
1.43
1.46
1.49
1.53
1.56
1.60
1.64
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.26
0.29
0.31
0.34
0.36
0.39
0.43
0.47
0.50
0.54
0.58
0.64
0.70
0.75
0.81
0.87
0.94
1.02
1.09
1.17
1.24
1.37
1.49
1.56
1.60
1.64
26

Accidental Death Benefit (Bands 1, 2, 3, 4, 5)
Rates per $1,000
Plan Codes 214/614, 219/619
20 Year Guarantee
Issue Age
18
19
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
56
57
58
59
60
Plan Codes 215/615

30 Year Guarantee
Male
Female
0.74
0.74
0.74
0.74
0.74
0.74
0.74
0.74
0.74
0.74
0.74
0.74
0.74
0.75
0.76
0.77
0.78
0.79
0.86
0.92
0.99
1.05
1.12
1.13
1.14
1.16
1.18
1.20
1.22
1.24
1.26
1.28
1.31
1.34
1.37
1.40
1.43
1.46
1.49
1.53
1.56
1.60
1.64
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.60
0.61
0.62
0.62
0.63
0.64
0.68
0.72
0.76
0.80
0.84
0.90
0.97
1.03
1.10
1.16
1.22
1.24
1.26
1.28
1.31
1.34
1.37
1.40
1.43
1.46
1.49
1.53
1.56
1.60
1.64
Issue Age
18
19
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
Male
Female
0.92
0.92
0.92
0.92
0.92
0.92
0.92
0.92
0.92
0.92
0.93
0.94
0.95
0.97
0.98
0.99
1.01
1.02
1.03
1.05
1.07
1.08
1.10
1.12
1.14
1.16
1.18
1.20
1.22
1.24
1.26
1.28
1.31
0.81
0.81
0.81
0.81
0.81
0.81
0.81
0.81
0.82
0.83
0.84
0.86
0.87
0.89
0.91
0.93
0.96
0.99
1.03
1.05
1.07
1.08
1.10
1.12
1.14
1.16
1.18
1.20
1.22
1.24
1.26
1.28
1.31
27

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Farmers

Copyright Notice and Reservation of Rights

Minimum Issue Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Policy Rate Bands . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Riders and Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Each 10 years for the 10-year product,

213 Standard nicotine

214 Standard nicotine

219 Standard nicotine

215 Standard nicotine

613 Standard non-nicotine

614 Standard non-nicotine

619 Standard non-nicotine

615 Standard non-nicotine

613 Preferred non-nicotine*

614 Preferred non-nicotine*

619 Preferred non-nicotine*

615 Preferred non-nicotine*

613 Premier non-nicotine*

614 Premier non-nicotine*

619 Premier non-nicotine*

615 Premier non-nicotine*

Minimum Issue Amounts

Policy Rate Bands

Riders and Benefits

2004-97B WP CI, 2000-97B WP

1987-107 CTIR series

2004-CI-ABR (1-05) series, 2004-CI-ABR (30) (1-05), 2004-CI-ABR

Preferred Build Chart

FOR AGENT USE ONLY.

Premier Underwriting Guidelines

Premier Build Chart

FOR AGENT USE ONLY.

Additional requirements for Preferred and Premier non-nicotine underwriting:

3. The premium for any applicable ratings or surcharges.

Income for spouse and children

Farmers Level Term 2000

Plan Codes: 213/613

Band 1 ($150,000 - $249,999)

Farmers Level Term 2000

Plan Codes: 213/613

Band 2 ($250,000 - $499,999)

Farmers Level Term 2000

Plan Codes: 213/613

Band 3 ($500,000 - $999,999)

Farmers Level Term 2000

Plan Codes: 213/613

Farmers Level Term 2000

Plan Codes: 214/614

Band 1 ($150,000 - $249,999)

Farmers Level Term 2000

Plan Codes: 214/614

Band 2 ($250,000 - $499,999)

Farmers Level Term 2000

Plan Codes: 214/614

Band 3 ($500,000 - $999,999)

Farmers Level Term 2000

Plan Codes: 214/614

Band 4 ($1,000,000 - $1,999,999)

Farmers Level Term 2000

Plan Codes: 219/619

Band 5 ($2,000,000 and above)