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Centennial G II offers your client:
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Lifetime Level premiums for lifetime coverage that consistently ranks at the top in our core market among competitors in most age, gender, and underwriting classes |
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Improved competitive pricing for single-premium sales and 1035/dump-in cases |
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A flexible lapse protection guarantee (client selects the guarantee period)* |
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Riders protected under lapse protection guarantee* |
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Banded rates at $50,000, $250,000 and $1 million face amounts |
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Same available issue ages and underwriting classes |
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Select Preferred and Preferred Tobacco 18 75 |
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Preferred, Non-Tobacco & Tobacco 18 85 |
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Minimum Face Amount of $50,000 for Non-Tobacco & Tobacco classes |
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A Company-approved plan for evidence-free exchanges and conversions (subject to terms and conditions) |
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12-month grace period for receipt of 1035 money |
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Conversions from eligible term or
term-like plans:
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Centennial G II can be used for term conversions in states where it is available for sale |
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100% of normal commissions on target premium and incentives |
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Only available for PIR options if the PIR is attached to an existing Centennial G plan on the same insured |
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Not available for any rider conversions (including the Covered Insured Rider and Children's Term Rider) |
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Not available for GIR Options |