The modal premiums generated are based upon a $100,000 CASH Benefit Account, a $3,000 monthly benefit amount, a 90-day elimination period, no inflation protection, standard rates, married couple. Final rates are based on underwriting approval and are subject to change. Optional Return of Premium Rider is available.

Please note: These are just average premium rates. The cost of a policy can be affected by your age, health, state of residence as well as your marital status at the time of application.