20 Year Level Term The twenty (20) year level term policy provides a level term death benefit to age 95 with a 20 year level rate guarantee. The 20 year level term policy is a great answer to long term life insurance needs such as mortgage loans and providing for your family. Specifications The issue age for this product is age 18 to 60 with a $100,000 minimum face amount. Premiums Premiums are guaranteed for the first 20 year premium guarantee period. After the twenty years is up, you have the option of renewing your policy at a projected Annual Renewable term rate or rewriting a new policy. Premiums are guaranteed for entire level premium paying period. Payment options of Annual, Semi-Annual, Quarterly and Monthly (EFT) are available for your convenience. Riders available for an additional cost and subject to underwriting Disability Waiver of Premium Accidental Death Benefit Child Rider Conversion Privilege One of the benefits of purchasing The Pharmacists Life Term products is the ability to convert your term life insurance policy to one of our Whole Life insurance policies through the entire twenty (20) year level premium paying period. Advantages: Insurability guaranteed Avoid future term premium increases Lower net cost Cash values 100% guaranteed No medical underwriting Permanent insurance

20 Year Level Term