l Rated A
l Renewable to age 65
l Return of Premium Rider Option
l Home Modification Benefits
l Unusual Industries Underwritten
     (i.e. Truckers, Police, Pilots)

l Over 85 years Strong
l Guaranteed Renewable or Non-Can
l Own Occupation
l No Offset for Social Security or
         Workman Compensation
l Money Back Surrender
l Value Rider Option