No benefit reduction at age 70.

Rates include cancer benefit. Rates are guaranteed for three years.

Rates include: Waiver of Premium Benefit, $100 Health Screening Benefit, Enhanced (Class I/ Class II) Portability, Additional Benefits Rider (Coma, Burns, Paralysis, Loss of Sight, Loss of Speech, and Loss of Hearing), Advanced Alzheimer's Disease 25%, , Dependent Child Rider (Cystic Fibrosis, Cerebral Palsy, Cleft Lip or Cleft Palate, and Spina Bifida), and no additional riders.

Wellness Benefit included in Rates

Rates include: Catastrophic Accident Rider.