GUARANTEED DEATH BENEFIT
Liberty Legacy provides a guaranteed level death benefit to the insured’s attained age 121.  

The Guaranteed Death Benefit equals the Face Amount minus any indebtedness.

ISSUE AGES
Ages 50 - 80, based on the insured’s age on their last birthday.

PREMIUMS
Premiums vary by gender, issue age, tobacco/nicotine class and health risk. Underwriting classes are either Preferred or Standard. Preferred rates are offered for those determined Table 1-4. Standard rates Are offered for those determined Table 5-8. The tobacco/nicotine class is based on nicotine or tobacco use

(e.g., including, but not limited to, cigars, cigarettes, pipes, smokeless tobacco,

e-cigarettes, nicotine gum, etc.) in the prior 12 months.

The single premium must accompany the application unless there is a request for funds via 1035 exchange or funds transfer.

PREMIUM LIMITS
Minimum Premium at all issue ages: $20,000
Maximum Premium: Varies by issue age and underwriting classification.

The maximum premium issued without prior special approval is shown in the chart on page 5.

Note that the upper premium limit for many classifications is $500,000,

but it is considerably lower for other classifications due to the
substantially larger death benefit relative to the single premium.

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The Liberty Legacy policy is designed to feature simplified, point-of sale underwriting and therefore must limit large risks due to the relatively brief amount of health information available for underwriting. Refer to the Charts on pages 6 and 7 to determine the Maximum Face Amount and/or Premium available by underwriting classification.