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Assurity Life
 

AssurityBalance® Simplified Critical Illness Insurance
(Policy form CI-005)

Simplified Critical Illness Insurance is designed to pay a lump sum to the insured at the first-ever diagnosis of 12 covered illnesses or procedures. This simplified product offers a short application with a handful of health questions– no medical exams are required.

Issue Ages: 18-59, Age last birthday

Issue Amounts: $5,000-$50,000

Underwriting Classes: Male/Female, Tobacco/Non-tobacco

Benefits Across Categories: The first benefit is paid upon the initial diagnosis of a condition or procedure in any one of three categories. If premiums continue to be paid and the insured is diagnosed with a condition or procedure in a different category, the insured will again receive the benefit payment indicated.
 

AssurityBalance® Critical Illness (Fully Underwritten)
(Policy form CI-007)

Critical Illness Insurance is designed to pay a lump sum to the insured at the first-ever diagnosis of 21 covered illnesses or procedures.

Issue Ages: 18-64

Issue Amounts: $50,000-$500,000

Underwriting Classes: Male/Female, Tobacco/Non-tobacco

Benefits Across Categories: The first benefit is paid upon the initial diagnosis of a condition or procedure in any one of three categories. If premiums continue to be paid and the insured is diagnosed with a condition or procedure in a different category, the insured will again receive the benefit payment indicated.

AssurityBalance® Simplified Disability Income Insurance
(Policy Form No. I D0710)
 
Simplified Disability Income is an individual guaranteed-renewable disability income
insurance policy with simplified application and issue processes. It's ideal for individuals
in the lower to upper-middle income markets
 
Issue Ages: 18-59
 
Rates: Male/female, tobacco/non-tobacco; Age bands: 18 through 39, 40 through 49,
and 50 through 59
 
Monthly Benefits: $300 – $2,500 (maximum 60 percent of monthly income).
Benefits will be reduced dollar for dollar up to 50 percent by the amount of social insurance
(Social Security Disability, Workers’ Compensation, Government Disability and Railroad
Retirement and Disability)
 
Benefit Periods: 6 months, 1 or 2 years
 
Elimination Periods: 30, 60, 90 or 180 consecutive days
 
 
AssurityBalance® Individual Disability Income Insurance
(Policy form I H0920)
 
Provides a benefit if insured becomes sick or injured and unable to work. Ideal for individuals
in the lower to upper-middle income markets and small-business owners
 
Issue Ages: 18-60
 
Occupational Classes: 4A, 3A, 2A, 1A
 
Maximum Issue Limits: 4A and 3A: $9,000; 2A: $7,500 1A: $6,000
 
Elimination Periods: 30, 60, 90, 180, and 365 days
 
Features:
Own Occupation definition of Total Disability (first 24 months)
Partial Disability Benefit
Home Modification Benefit
Vocational Rehabilitation Benefit
Survivor Benefit
Organ Donor Benefit
Waiver of Premium
Non-tobacco rates for no use in last 12 months
Plus, 10 optional riders    
 
 
AssurityBalance® Graded Benefit Disability Income Insurance
(Policy form A-D120)
 
Graded Benefit DI is an individual guaranteed renewable disability policy with a traditional
definition of disability and graded benefit. It can be a good choice for individuals who have
previously been denied disability income protection due to past medical/health conditions.
 
Issue Ages: 18-60
 
Occupational Classes: 4A, 3A, 2A, 1A
 
Maximum Issue Limits: 4A and 3A: $11,000; 2A: $7,500; 1A: $6,000
 
Elimination Periods: 30 (2-year benefit period only), 60, 90, 180 or 365 days
(5 and 10-year benefit period only)
 
Features: Vocational Rehab, Survivor Benefit
 
 
AssurityBalance® Business Overhead Expense Disability Income
(Policy form A-D106)
 
Business Overhead Expense is designed to cover business operating expenses if a business’
key personbecomes disabled by an accident or illness.
 
Issue Ages: 18-60

Elimination Periods: 30, 60, and 90 days

Occupational Classes: 4A, 3A, 2A

Maximum Issue Limits: 4A: $10,000; 3A: $9,000; 2A: $8,000

Features:
Own Occupation definition of Total Disability
Partial Disability Benefit
Rehabilitation Benefit
Survivor Benefit

AssurityBalance® Long-Term Care Insurance
(Policy form AL2100P)

This is a product for individuals seeking affordable, comprehensive protection from nursing home and home care expenses. It is available as a “Facility Care Only” or a Comprehensive policy.

Available Issue Ages: 40-84

Maximum Daily Benefit: $40-$300

Elimination Periods: 0, 30, 90, 180 days

Benefit Periods: 2 years, 3 years, 4 years, 5 years, 6 years, 10 years, lifetime

LifeScape® Simplifed Whole Life Insurance Portfolio
Policy Form Nos. I L601, I L602, I L603
 
Assurity's Simplified Life portfolio features a combination of three policies from which the
proposed insured would qualify for or be issued one contract. The policy is issued based
on answers to health questions on the application.

Simplified Level Benefit Whole Life Policy

The policy is issued based on answers to health questions on the application.
To be considered for the Level Death Benefit plan, all questions on the application must be
answered “no.”

Issue Ages: 0-80

Issue Limits:
Face Amounts $10,000 - $50,000
Ages 0-14: Male/Female – Select Non-Tobacco
Ages 15-19: Male/Female – Select Non-Tobacco, Tobacco
Face Amounts $5,000 - $50,000
Ages 20-65: Male/Female – Select Non-Tobacco, Tobacco
Face Amounts $5,000-$25,000
Ages 66-80: Male/Female – Select Non-Tobacco, Tobacco

A Simplified Graded Benefit Whole Life Policy may be the appropriate choice for applicants
who cannot answer “no” to all questions on the application.

Issue Ages: 40-80

Issue Limits:
Face Amounts $5,000 - $35,000

Ages 40-65: Male/Female – Select Non-Tobacco, Tobacco
Face Amounts $5,000 - $25,000
Ages 66-80: Male/Female – Select Non-Tobacco, Tobacco

For those whose health history has made it difficult to qualify for any coverage,
the Simplified Modified Benefit Whole Life Policy may be an option.

Issue Ages: 40-80

Issue Limits:
Face Amounts $5,000 - $25,000
Ages 40-80: Male/Female – Select Non-Tobacco, Tobacco
 

 
LifeScape® Whole Life Insurance
(Policy Form No. I L0880)
 
Whole Life is a level benefit, participating whole life insurance policy with level, guaranteed
premiums through maturity at age 121. This product is ideal for individual and business
planning needs and can provide solutions for estate planning, charitable giving and business continuation.

Issue Ages: 0-85

Issue Amounts:
Premium Band I: $10,000-$99,999
Premium Band II: $100,000-$249,999
Premium Band III: $250,000+

Underwriting Classes:
Male, Female
Preferred Plus Non-tobacco, Preferred Non-tobacco, Select Non-Tobacco, Preferred Tobacco, Standard Tobacco

Comes with two riders for no additional premium and 10 optional riders.
 

LifeScape® Single Premium Whole Life Insurance
(Policy Form No. 0680)

For an older individual interested in buying a guaranteed death benefit with a single payment. Creates a
modified endowment contract but if held until death there is no adverse tax impact. Alternative to taxable
fixed investments. True single-premium purchase with guaranteed contract maturity. Lowest cost
permanent life insurance per thousand. Can purchase additional coverage within the first six months,
if underwritten at initial application. Ideal for those who want to leave an estate but don’t want to budget
premiums into current lifestyle

Issue Ages:
Non tobacco: 0-80
Tobacco: 16-80
(All applications submitted as non-medical)

Minimum Face Amount:
$10,000 for issue ages 0-54
$5,000 for issue ages 55 and older

Acci-Flex Term Life
(Policy Form No. L T02)

Acci-Flex is a non participating, accidental death benefit, guaranteed premium term life insurance policy.

Issue Ages: 18-60

Issue Amounts: $50,000 to $250,000

Underwriting Classes: Male, Female

Three optional riders
 
 
LifeScape® NonMed Term 350
(Policy Form No. I L0760)
 
Non Med Term 350 Life Insurance is competitively priced on a fully
underwritten, non-medical basis, and is ideal
for a variety of needs including mortgage protection. No blood draw is required.

Issue Ages: 18-65

Issue Amounts: $50,000 to $350,000

Underwriting Classes:
Select+ non-tobacco/tobacco
Select non-tobacco/tobacco
Standard non-tobacco/tobacco

Seven available riders, including Critical Illness  
 
 
LifeScape® Term 350 Plus
(Policy Form No. I L0760)
 
This product is a guaranteed-premium term life insurance policy. It is fully underwritten
and meets a variety of needs.

Issue Ages: Ages 18-74

Issue Amounts:
$350,001 and up
$100,001 and up for ages 66-75

Underwriting Classes:
Preferred+ non-tobacco
Preferred non-tobacco/tobacco
Standard non-tobacco/tobacco

Seven available riders including Critical Illness Rider

LifeScape® Premier Universal Life Insurance
(Policy Form No. 0540)
 
Ideal for buyers interested in flexible and affordable permanent life insurance with numerous riders
and benefit options. Also, those interested in building large policy values.

Rate Class/Issue Ages:
Super-Preferred, Non-Tobacco – 16-75

Preferred, Non-Tobacco – 16-75
Standard Non-Tobacco – 0-85
Preferred, Tobacco – 16-75
Standard Tobacco – 16-85

Issue Amounts:
$50,000 for issue ages 0-54
$25,000 for issue ages 55+

Premier loan – in policy year 11, the policyholder can take a policy loan with interest charged equal to
the cash value rate being earned; in effect, a zero-interest loan.

Six additional riders, including a no-cost accelerated death benefit.

 
About Assurity
 
Assurity Life Insurance Company's origins are rooted in a century-long legacy of providing long-term security to policyholders,
earning generations of customers' confidence and trust.
 
Focused on serving the needs of Middle America, Assurity specializes in providing innovative protection-based financial
solutions for every stage of life. Assurity products can be tailored according to specific individual, family or business situations.
We understand that consumers have unique protection needs and individual preferences for how they purchase their insurance
protection. Assurity products and services are available through a nationwide network of brokers who serve individual clients one
on one; to employees through their place of work; and by direct mail.
 
We focus on creating superior value for our customers by cultivating lasting relationships, reinforcing our financial strength and
fostering innovation in our products and services.

Company History

Our company combined the strength of three longtime Lincoln, Nebraska-based insurers—Assurity Life, Security Financial Life
and Lincoln Direct Life—which joined as a single operating company in 2007 under the Assurity name. Each of our original
companies began serving customers in Eastern Nebraska communities in the late 1800s before establishing their permanent
headquarters in Lincoln.
 
Assurity Life today is a diversified financial services organization, licensed in 49 states and the District of Columbia. We value
and maintain the principles on which our original companies were founded—our mutual company heritage with its basic
premise of working for the best interests of our policyholders and an unrelenting commitment to financial strength and stability.

Assurity Life Insurance Company…helping people through difficult times.