Lincoln Benefit Life

2940 South 84th Street Lincoln, NE 68506 1-800-525-2799 www.accessallstate.com Ratings: A.M. Best Financial Strength A+ Standard & Poor’s Financial Strength AA- Moody’s Financial Strength A1 Fitch Financial Strength A Products: Lincoln Benefit Life – TrueTerm Product Features Type: Term insurance to age 95 Premium rates guaranteed for 10, 15, 20, or 30 years Conversion Options: Each plan is convertible to the earlier of 10 years or the anniversary following age 60. A conversion credit is offered for conversions during the first 10 years, except for conversions in the first policy year. The conversion credit is equal to the total first-year premium associated with the base term coverage only. Partial conversions will be allowed, with a pro rata conversion credit based on the reduction in base coverage premium. Issue Ages: 10-year: 18-80 15-year: 18-75 (18-70 for Male Smoker and Preferred Smoker; 18-73 for Male Standard No Tobacco <$200,000; 18-73 for Female Smoker and Preferred Smoker <$200,000) 20-year: 18-65 (18-63 for Male Smoker <$500,000) 30-year: 18-50 (18-47 for Male Smoker and Preferred Smoker <$500,000) Washington issue ages: 10-Year = Ages 24-70 15-Year = Ages 22-65 20-Year = Ages 20-60 30-Year = Ages 18-50 (18-44 for Male PS and SM, 18-49 for Female PS and SM) New York issue ages: 10-Year : 18-65 15-Year : 18-65 20-Year : 18- 60 30-Year : 18-50 Face Amounts: Minimum Face Amount: $50,000 $100,000 (WA Only) Rate Bands Band I: $50,000 – $99,999 Band II: $100,000 – $199,999 Band III: $200,000 – $499,999 Band IV: $500,000 – $999,999 Band V: $1,000,000 – $4,999,999 Band VI: $5,000,000 and above Tobacco Definition: Preferred Elite: No use within 5 years Preferred: No use within 3 years Standard Select: No use within 2 years Standard No Tobacco: No use within 1 year Preferred Smoker: Maximum of 1 pack per day. Standard Smoker: Any tobacco use not qualifying for Preferred Smoker Special Underwriting: Features Preferred Elite > $5,000,000 (base only) Blood Pressure – Without RX: 135/85 for ages 0-60; 145/90 for ages 61+ Blood Pressure – With RX:130/75 for ages 18-60; 140/85 for ages 61+; control documented by minimum 3 readings in past 2 years; compliant with treatment, no problems with medications and no more than 2 medications needed for control; and no history of high cholesterol. Cholesterol – Without RX: 220 Cholesterol – With RX: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension. CHOL/HDL 4.5 *Requirements for PE with hyperlipidemia under treatment: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension. Serum Albumin Ages 70+ must be > 4 Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No occurrence of specified disease in parent or sibling before age 60 Alcohol/Drugs Never treated Driving Maximum 1 moving violation in 3 years; no DUI, reckless driving in 10 years nor > 1 ever. Aviation Regularly scheduled US-based airline only AvocationsNone in 2 years except recreational scuba diving to maximum 50 feet. Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years Occupation No hazardous occupation Military No active military duty. Preferred Elite < $5,000,000 Blood Pressure – Without RX: 145/85 for ages 0-60; 150/90 for ages 61+ Blood Pressure – With RX:130/75 for ages 18-60; 140/85 for ages 61+; control documented by minimum 3 readings in past 2 years; compliant with treatment, no problems with medications and no more than 2 medications needed for control; and no history of high cholesterol. Cholesterol – Without RX: 220 Cholesterol – With RX: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension. CHOL/HDL 5.0 *Requirements for PE with hyperlipidemia under treatment: total cholesterol < 200 and (a) TC/h DL ratio < 4.5 or (b) LDL < 100; control documented by minimum of 3 readings in 2 years; compliant with treatment, no problems with medications, no more than 2 medications needed and one must be a statin; and no history of hypertension. Serum Albumin Ages 70+ must be > 4 Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No occurrence of specified disease in parent or sibling before age 60 Alcohol/Drugs Never treated Driving Maximum 2 moving violations in 3 years; no DUI, reckless driving in 10 years Aviation Regularly scheduled US-based airline only AvocationsNone in 2 years except recreational scuba diving to maximum 50 feet. Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years Occupation No hazardous occupation Military No active military duty. Preferred Blood Pressure: 140/90 for ages 0-60 (treatment allowed); 150/90 for ages 61-69 (treatment allowed); 155/90 for ages 70+ (treatment allowed) Cholesterol: 250 for ages < 70 (treatment allowed); 325 for ages 70+ (treatment allowed) CHOL/HDL 6.0 for ages <70 (treatment allowed); 6.5 for ages 70+ (treatment allowed) Serum Albumin Ages 70+ must be > 4 Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No death of parent or sibling from specified disease before age 60 Alcohol/Drugs Never treated Driving Maximum 2 moving violations in 3 years; no DUI, reckless driving in 5 years Aviation None except regularly scheduled US airline & best private pilots (Best private pilots are those with over 300 hours of experience flying 50-150 hours/year with instrument flight rating.) Avocations Not excluded but flat extra may apply. Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years Occupation No exclusion but flat extra may apply Military No active military duty below rank of commissioned officer. Standard Select Blood Pressure: 145/90 for ages 0-60 (treatment allowed); 155/95 for ages 61+ (treatment allowed) Cholesterol: 285(treatment allowed) CHOL/HDL 7.0 (treatment allowed) Serum Albumin N/A Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No more than 1 death of parent from specified disease before age 60 Alcohol/Drugs Not treated within 5 years Driving Maximum 3 moving violations in 3 years; no DUI, reckless driving in 5 years Aviation Not excluded but flat extra may apply. Avocations Not excluded but flat extra may apply. Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 6 months Occupation No exclusion but flat extra may apply. Military No exclusion but flat extra may apply. Standard No Tobacco Blood Pressure: 155/95 for ages 0-60 (treatment allowed); 160/95 for ages 61+ (treatment allowed) Cholesterol: 300(treatment allowed) CHOL/HDL 9.0 (treatment allowed) Serum Albumin N/A Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No more than 1 death of parent from specified disease before age 60 Alcohol/Drugs Not treated within 5 years Driving Maximum 3 moving violations in 3 years; no DUI, reckless driving in 2 years Aviation Not excluded but flat extra may apply. Avocations Not excluded but flat extra may apply. Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 6 months Occupation No exclusion but flat extra may apply. Military No exclusion but flat extra may apply. Preferred Smoker Blood Pressure: 140/90 for ages 0-60 (treatment allowed); 150/90 for ages 61-69 (treatment allowed); 155/90 for ages 70+ (treatment allowed) Cholesterol: 250 for ages < 70 (treatment allowed); 325 for ages 70+ (treatment allowed) CHOL/HDL 6.0 for ages <70 (treatment allowed); 6.5 for ages 70+ (treatment allowed) Serum Albumin Ages 70+ must be > 4 Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No death of parent or sibling from specified disease before age 60 Alcohol/Drugs Never treated Driving Maximum 2 moving violations in 3 years; no DUI, reckless driving in 5 years Aviation None except regularly scheduled US airline & best private pilots (Best private pilots are those with over 300 hours of experience flying 50-150 hours/year with instrument flight rating.) Avocations Not excluded but flat extra may apply. Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 3 years Occupation No exclusion but flat extra may apply Military No active military duty below rank of commissioned officer. Standard Smoker Blood Pressure: 155/95 for ages 0-60 (treatment allowed); 160/95 for ages 61+ (treatment allowed) Cholesterol: 300(treatment allowed) CHOL/HDL 9.0 (treatment allowed) Serum Albumin N/A Family History (Coronary artery disease, stroke, invasive internal cancer of malignant melanoma. Cancer exceptions: basal cell and squamous cell skin cancer, any carcinoma in situ, and cancers in gender-specific organs when the relative is not the same gender as the proposed insured.) No more than 1 death of parent from specified disease before age 60 Alcohol/Drugs Not treated within 5 years Driving Maximum 3 moving violations in 3 years; no DUI, reckless driving in 2 years Aviation Not excluded but flat extra may apply. Avocations Not excluded but flat extra may apply. Residency (Lawful permanent residents include US citizens, individuals granted permanent residency by the INS, and holders of acceptable temporary visas.) Lawful permanent resident of US for 6 months Occupation No exclusion but flat extra may apply. Military No exclusion but flat extra may apply.


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