Company	Ages	Amounts	Product	Rate Class	Online/Paper
No Exam Required
	20 – 59 0 – 50	$50,000 – $99,999 $50,000 – $499,999	TERM MAX ACCUMULATOR+IUL	STANDARD THROUGH TABLE “E”	ONLINE ONLY BOTH
	0 – 65	MAX $249,999	ALL	STANDARD & SUBSTANDARD	BOTH
	0 – 60	$50,000 – $300,000	TERM LIFE IUL	PREFERRED THROUGH TABLE 4	BOTH
	00 – 60 61 – 85	UP TO $150,000 BELOW $75,000	WHOLE LIFE	STANDARD	BOTH
	0 – 60	$25,000 – $99,999	TERM LIFE	STANDARD	BOTH
	18 – 55  56 +	UP TO $400,000  UP TO $150,000	ALL	STANDARD	BOTH
		16 – 55  56 – 75	UP TO $400,000  UP TO $150,000	WHOLE/UNIVERSAL LIFE	STANDARD ONLY	BOTH
	16 – 54  (10, 15, & 20-year durations)	$50,000 – $99,999	ADVANTAGE ELITE SELECT TERM 10, 15, 20	STANDARD	ONLINE ONLY
		16 – 54  (10, 15, & 20-year durations)	$100,000 – $250,000	ADVANTAGE ELITE SELECT TERM 10, 15, 20	STANDARD	ONLINE ONLY
	16 – 45   (30-year duration)	$50,000 – $99,999	ADVANTAGE ELITE ADVANTAGE ELITE SELECT TERM 30	STANDARD	ONLINE ONLY
		16 – 45  (10, 15, & 20-year durations)	$100,000 – $250,000	ADVANTAGE ELITE SELECT TERM 30	STANDARD	ONLINE ONLY
	16 – 54	$50,000 – $99,999	ORION INDEXED UNIVERSAL LIFE	STANDARD	ONLINE ONLY
		16 – 54	$100,000 – $250,000	ORION INDEXED UNIVERSAL LIFE	STANDARD	ONLINE ONLY
	16 – 55	$25,000 – $249,999	SECURE PROTECTOR WHOLE LIFE	STANDARD	ONLINE ONLY
	16 – 55	$25,000 – $99,999	SECURE ACCUMULATOR WHOLE LIFE	STANDARD	ONLINE ONLY
	16 – 55	$25,000 – $99,999	SECURE ACCUMULATOR WHOLE LIFE	STANDARD	ONLINE ONLY
	50 – 69*	UP TO $1,000,000	TERM  UL	ALL	BOTH
	16 – 65	$25,000 – $400,000	NLUL	ALL EXCEPT RATED TOBACCO	ONLINE ONLY
		18-50	$100,000 – $1,000,000	IUL	PREFERRED THROUGH TABLE 8	ONLINE ONLY
		51-65	$100,000 – $500,000	IUL	PREFERRED THROUGH TABLE 8	ONLINE ONLY
		18-45	$50,000 – $1,000,000	TERM	PREFERRED PLUS THROUGH TABLE 2	ONLINE ONLY
		46-55	$50,000 – $750,000	TERM	PREFERRED PLUS THROUGH TABLE 2	ONLINE ONLY
		56-65	$50,000 – $500,000	TERM	PREFERRED PLUS THROUGH TABLE 2	ONLINE ONLY
		16-65	$25,000 – $250,000	WL	ALL EXCEPT RATED TOBACCO	ONLINE ONLY
	18 – 60	$100,000 – $500,000	ALL	ALL	BOTH
	18 – 60  61 – 70	$25,000 – $99,999  $25,000 – $50,000	TRENDSETTER SUPER	STANDARD	BOTH
	18 – 60	$25,000 – $249,999	TRENDSETTER LB	STANDARD	BOTH

*COMPREHENSIVE PHYSICAL AND BLOOD WORK AVAILABLE FROM PRIMARY PHYSICIAN WITHIN LAST 18 MONTHS