Level Gold Investment Account Level Client Investment Select YRT Gold Investment Account YRT Client Investment Select
Issue ages 30–85
(Joint last-to-die 40–90)
30–85
(Joint last-to-die 40–90)
0–60
(Joint last-to-die ages 25-60)
0–60
(Joint last-to-die ages 25-60)
Coverage types Single, Joint last-to-die Single, Joint last-to-die Single, Joint last-to-die Single, Joint last-to-die
Death benefit types Face Plus and Percentage of
account value on each death
Face Plus and Percentage of
account value on each death
Face Plus and Level Death Benefit Face Plus and Level Death Benefit
COI type Level COI (T100) Level COI to 100
Level COI for 20 years
Level COI for 10 years
YRT 85 COI YRT 85 / YRT 100 COI
Minimum face amount $100,000 $100,000 (T100),
$50,000 (10 & 20)
$100,000 $100,000
Investment options One account linked to
Performax Gold
Investment Fund
Range of low fee
investment options
One account linked
to Performax Gold
Investment Fund
Range of low fee
Investment Options
Fees No life or policy fees.
1% Management fee on
Performax Gold Fund
No life or policy fees.
The average investment
fee across the portfolio
of investment accounts
offered is the lowest
in the industry
No life or policy fees.
1% Management fee on
Performax Gold Fund
No life or policy fees.
The average investment
fee across the portfolio
of investment accounts
offered is the lowest
in the industry
Surrender changes Five years, based on
percentage of Account Value.
5%, 4%, 3%, 2%, 1%
for years 1–5 respectively
Five years, based on
percentage of Account Value.
5%, 4%, 3%, 2%, 1%
for years 1–5 respectively
Payable for eight years,
calculated on amount of
insurance and individual’s
age and sex
Payable for eight years,
calculated on amount of
insurance and individual’s
age and sex
Riders 10-year and 20-year Term Insurance Riders
Child Protection Rider
All ULs contain Rate banding, Healthstyles underwriting, disability benefit, no policy or life fees