General American Life Insurance Company®
St. Louis, MO     A.M. Best Rated A+*

Joint Survivor Universal Life (01):

This Second To Die Universal Life policy is ideal for married couples and business partners. As a highly competitive Joint Survivor UL policy, the Joint Survivor UL allows you to provide coverage to one uninsurable. With a low minimum face amount requirement this policy can be used by everyone!

Issue Ages: (Age Nearest Birthday)
Standard Risk Classification	Ages 20-85
Elite and Preferred Risk Classification	Ages 20-80
Underwriting Classifications:
Ages 20-80	Elite Preferred Non Smoker Standard Non Smoker Preferred Smoker Standard Smoker Substandard through table 16(400%)
Ages 20-85	Standard Non Smoker Preferred Smoker Standard Smoker Substandard through table 16(400%)
Minimum Face Amount:
$100,000

Product Features:

• Guaranteed Interest Crediting is 4%
• Guaranteed Lifetime no-lapse protection through Coverage Continuation Rider
• Amazingly low COI charges for clients age 20-80 in excellent health
• Guaranteed Death Benefit beyond age 100
• Allows coverage to one uninsurable
• Unique riders tailored specifically for the Second to Die market

Riders Available:

Accelerated Benefit Rider, Coverage Continuation Rider, Supplemental Coverage Term Rider, Waiver of Specified Premium Rider, Divorce Split and Tax Split Option Riders, Estate Preservation Term Rider, Joint Coverage Continuation Rider.

Conseco Life Insurance Company®
Carmel, IN     A.M. Best Rated A-

Survivor Choice:

Conseco Survivor Choice is a flexible premium adjustable (universal) life insurance policy that insures two people and pays the death benefit upon the death of the surviving (second-to-die) insured. Conseco Survivor Choice can help preserve the estate by providing the liquidity needed by heirs. It can also help provide security and protection to businesses by ensuring that liquidity is available upon the death of the second of the two key individuals (partners, owners, or employees).

Issue Ages:(Age last birthday)
18-85	Age is based on exact age of each insured.
Minimum Face Amount:	Maximum Face Amount:
$250,000	Subject to underwriting and reinsurance limits
Underwriting Classifications:
Ages 18-85	Preferred Nonsmoker Select Nonsmoker Select Select Impaired

The impaired rating class is designed to meet the needs of individuals whose health impairments have prevented them for qualifying for life insurance is the past.

Product Features:

• Portfolio Accumulation Value Option offers competitive interest rates and market rate return based on Conseco's portfolio of investment grade fixed-income securities
• Equity Indexed Accumulation Value allows bonuses to be received based on the performance of the S&P 500®* with NO risk to their principal
• Strong illustrated values-both current and guaranteed
• Ability to transfer funds between allocation values
• Preferred Loans and partial withdrawals

Riders Available:

Estate Preservation Rider, Policy Split Option Rider, Full Death Benefit, Full Death Benefit Extension of Maturity Date Rider, Cash Value Extension of Maturity Date Rider.