Guaranteed insurability benefit

Issue ages (age nearest)

• 24 hours to age 40

Coverage amount

• Minimum: $10,000
• Maximum: the lesser of $100,000 or 200% of the total insurance amount covering the insured

Amount that can be exercised at every option period

• Up to the 100% of the amount initially selected.

Coverage cost

• Fixed and guaranteed

Until the termination of the main coverage of the insured

Termination of coverage

The earliest of the following events:

• on the insured's 45^th birthday
• when the 5^th option is exercised
• the date the main coverage on the contract is terminated
• the death of the insured

Products that accompany an option

The options can be exercised with the following permanent life insurance coverages:

Traditional life

• T100
• Whole life guaranteed 10, 15 and 20 Pay
• Whole life guaranteed to 65
• Whole life guaranteed to 100

Universal life

• T100

Participating life

• Whole Life 10 pay, 20 pay and to 100 – Accelerated growth
• Whole Life 10 pay, 20 pay and to 100 – Estate enhancer
• Whole Life 5 pay – 5 Pay PAR