The Total Protection Series Graded Benefit Policy is a "virtually guaranteed issue" product with only three gatekeeper underwriting questions. This plan is ideally suited for final expense needs for your clients with significant health problems. Reasons for decline include being diagnosed as terminally ill or having AIDS, HIV or any other immunological disorder; or being confined to a medical facility or requiring assistance with ADL's (see application for full wording of each question). The level premium is payable to age 100. The death benefit grades up during the first two policy years.

The Total Protection Series Premier plan features an immediate full death benefit, and is ideal for clients who are in better health, but don't want to go through full underwriting. It has guaranteed cash values and endows at age 121. Underwriting risks up to four tables are issued standard.

The Total Protection Series Deluxe plan features an immediate full death benefit, and is ideal to use for final expense needs for your clients who have some health issues. It has guaranteed cash values and endows at age 121. Underwriting risks up to eight tables are issued standard.

• If death occurs in the 1st policy year, the death benefit payable is return of premium plus 12% of premium paid.
• If death occurs in the 2nd policy year, the death benefit is return of premium plus 24% of premium paid.
• The full death benefit is payable beginning in the 3rd policy year, or if death occurs due to accidental causes during the first two policy years.

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