The Cincinnati Life Insurance Company Life Insurance AGENT S GUIDE TO UNIVERSAL LIFE INSURANCE LifeHorizons Simplicity UL* Policy Form CLI-137 Table of Contents Introduction... 1 Product features... 2 Optional benefit riders... 2 Underwriting classifications... 3 Medical underwriting requirements... 3 Underwriting classification criteria... 4 target premium rates... 6 minimum premium rates... 7 target premium rates... 8 minimum premium rates... 9 Simplicity UL offers your clients affordable, permanent life insurance with the flexibility to take on life s ever-changing needs. Features include: Low-cost, permanent universal life insurance Expanded underwriting classes Guaranteed insurability to age 121 Five-year, no lapse guarantee period Tax-deferred cash value accumulation age is based on actual age versus nearest age. In Montana, use the Tables for classification availability and rates, regardless of the gender of the applicant *Available in most states. Page 1 of 10 nt Information Only
Product Features ages: Sel+, Sel Gender & UStd Base California PStd, Std 18-80 18-80 18-80 18-80 18-67 18-67 18-72 18-68 ( rates apply to all Montana residents, regardless of gender) Maturity age: 121 Minimum specified amount: $35,000 Death benefit option: A Level death benefit B Death benefit + policy value Minimum guaranteed interest rate: 3 percent Premium load: Percent of premium: Current: 7% years 1 to 10 3% years 11+ Guaranteed: 7% for all years Policy fee: Per policy (Current = Guaranteed)- $3 per month Surrender charges: Year Percentage Year Percentage 1 100 11 50 2 94 12 45 3 85 13 40 4 82 14 35 5 76 15 30 6 72 16 25 7 68 17 20 8 64 18 15 9 60 19 10 10 55 20 0 No Lapse Guarantee Provided there is no indebtedness to the policy, the cumulative no lapse guarantee premiums will keep the policy in force for 60 months, regardless of the monthly deductions or interest rate credited to the policy. Optional benefit riders* Accelerated Benefit Rider (CLI-680-CV) Available upon request at no charge Allows advanced payment of the death benefit if the insured has been diagnosed with a terminal illness or has been confined continuously for 90 days in a nursing home and is reasonably expected to remain there for the duration of the insured s life Maximum lifetime benefit available is lesser of 50 percent of death benefit or $250,000 Minimum benefit that can be advanced is $2,500 One advanced payment allowed per calendar year ages: 18-80 years Accidental Death Benefit Rider (02470) Pays an additional death benefit amount for deaths that result from an accident ages: 18-60 years amounts: $35,000-$500,000 (not to exceed face amount of base policy) Children s Term Life Insurance Rider (CLI-671) Term insurance for insured s children who qualify for coverage. Covers any child, step-child or legally adopted child from 15 days after birth until the policy anniversary nearest each child s 25th birthday. After the date of application, it includes any child born to the insured or legally adopted by the insured, who is less than 19 years of age. The benefit is limited to 50 percent if the covered child dies on or prior to the child s first birthday Provides conversion opportunity for covered children at the policy anniversary date nearest each child s 25th birthday for up to five times the death benefit of the in force rider Rider converts to paid-up term insurance if death of the insured occurs prior to the anniversary nearest the covered child s 25th birthday ages: 18-60 years Eligible child s issue ages: 15 days-18 years amounts and premiums: $10,000 $30 annual premium $20,000 $60 annual premium Disability Waiver of Monthly Deductions Rider (02201) After four consecutive months of total disability, this benefit waives the monthly deduction, which includes the cost of any riders selected, during the total disability of the primary insured ages: 18-60 years Page 2 of 10 nt Information Only
Optional benefit riders* (cont d) Insured Insurability Rider (02400) Guarantees the option to purchase additional amounts of insurance on future option dates without providing evidence of insurability Exercisable at ages 22, 25, 28, 31, 34, 37 and 40 years Alternate option dates include the purchase of a home, marriage of the insured, and birth or legal adoption of a child ages: 18-37 years limits: Minimum $5,000 Maximum $25,000 Underwriting classifications $100,000 & above Select Plus, Select, Ultra Preferred, $35,000-$99,999 Ultra, Underwriting class comparison based on multi-carrier software Cincinnati Life Compulife ipipeline Term4Sale VitalQuote Simplicity Preferred Preferred Preferred Plus Select Plus Preferred Non-Smoker Non- and Preferred Regular Plus Select Regular Plus Plus Non-Smoker Non- Ultra Preferred Regular Plus Non-Smoker Preferred Smoker Regular Smoker Regular Smoker Non- Preferred Regular Non-smoker Preferred Plus and Preferred (Non-cigarette) Preferred Smoker and Plus Smoker Regular Plus Smoker and Regular Regular Plus Smoker and Medical underwriting requirements Amounts applied for and in force with Cincinnati Life: s 19-40 s 41-50 s 51-60 s 61 -Up Through $99,999 A A A C $100,000-$250,000 B B B D $250,001-$500,000 B B D D $500,001-$1,000,000 D D E F $1,000,001-$2,000,000 E E F F $2,000,001 and Above F G H H Key A. Nonmedical medical history completed by agent (no Lite applications) B. Blood profile, urinalysis, amplified nonmedical exam C. Paramedic exam, urinalysis D. Paramedic exam, blood profile, urinalysis E. Paramedic exam, blood profile, urinalysis, EKG F. Physician s exam, blood profile, urinalysis, EKG G. Physician s exam, blood profile, urinalysis, EKG (treadmill EKG over $5 million) H. Physician s exam, blood profile, urinalysis, EKG (treadmill EKG over $3 million); chest X-ray is required only if applicant is a smoker or has smoked within the last year. *Available in most states. Page 3 of 10 nt Information Only
Underwriting classification criteria Select Plus Underwriting classification criteria (con t) Select No use within past three years (urine negative) Celebratory Cigars* No cigarette use within past year. Some tobacco users may qualify Cholesterol May not exceed 220 Chol/HDL ratio cannot exceed 5.0 Cholesterol May not exceed 250 Chol/HDL ratio cannot exceed 6.5 Blood pressure No current, or history of, blood pressure readings in excess of: Through age 60 140/85 s 61+ 150/90 No current or history of blood pressure treatment or medication Blood pressure Currently controlled and average reading in last two years (including treatment) does not exceed: Through age 60 140/90 s 61+ 150/90 Personal History No cardiovascular disease or cancer history, except basal cell carcinoma Personal History No cardiovascular disease or cancer history, except basal cell carcinoma Family History No cardiovascular disease or cancer in either parent or a sibling prior to age 60 Family History No cardiovascular disease or cancer in either parent or a sibling prior to age 60 Avocations Available if no flat extra premium would be required Avocations Available if no flat extra premium would be required Aviation Available only with exclusion rider Aviation Available only with exclusion rider Motor vehicle history No DWI, DUI, reckless operation, license revocation or suspension in last five years Motor vehicle history No DWI, DUI, reckless operation, license revocation or suspension in last five years Alcohol/substance abuse No history of, or treatment for, alcohol or substance abuse Alcohol/substance abuse No history of, or treatment for, alcohol or substance abuse Impairments No diseases, disorders or activities that would affect mortality Impairments No diseases, disorders or activities that would affect mortality Height Height Height Height 4 8 116 131 5 8 165 180 4 8 121 136 5 8 180 195 4 9 119 134 5 9 170 185 4 9 124 139 5 9 185 200 4 10 122 137 5 10 175 190 4 10 127 142 5 10 190 205 4 11 126 141 5 11 181 196 4 11 133 148 5 11 195 210 Build 5 0 130 145 5 1 134 149 6 0 186 201 6 1 191 206 Build 5 0 141 156 5 1 144 159 6 0 200 215 6 1 205 220 5 2 138 153 6 2 196 211 5 2 148 163 6 2 211 226 5 3 143 158 6 3 201 216 5 3 153 168 6 3 217 232 5 4 147 162 6 4 207 222 5 4 158 173 6 4 223 238 5 5 152 167 6 5 213 228 5 5 162 177 6 5 230 245 5 6 156 171 6 6 219 234 5 6 167 182 6 6 237 252 5 7 162 177 6 7 225 240 5 7 174 189 6 7 244 259 * See Celebratory Cigar exception on Page 5. Page 4 of 10 nt Information Only
Underwriting classification criteria (cont d) Ultra, Preferred and As with Select Plus and Select, the above are based on: (users of e-cigarettes are considered the same as a cigarette user) Ultra : Includes some tobacco (except cigarette) users who do not fit Select criteria Preferred ($100,000 and above): Includes some tobacco users who do not fit Ultra criteria. Cigarette smokers applying for Preferred must: Meet Select Plus medical requirements Fit Select Plus criteria, including Select Plus Build Chart : Includes most cigarette users, past cigarette users still dependent on a nicotine substitute and other tobacco users who do not fit Preferred criteria. Cholesterol Hypertension Blood pressure Pulse rate Personal history Family history Avocations Motor vehicle history Height and weight Other medical/nonmedical factors Build Chart Maximum weights of both male and female for Ultra and. Height Height 4 8 152 5 8 224 4 9 157 5 9 230 4 10 163 5 10 237 4 11 168 5 11 244 5 0 174 6 0 251 5 1 180 6 1 258 5 2 186 6 2 265 5 3 192 6 3 272 5 4 198 6 4 279 5 5 204 6 5 287 5 6 211 6 6 294 5 7 217 6 7 302 s that exceed the corresponding heights may be subject to an additional premium charge. Contact underwriting for more information Substandard case You may write substandard cases using Ultra and classifications. Celebratory cigar exception Cincinnati Life offers Select Plus consideration for applicants who meet all the outlined class criteria other than having smoked celebratory cigars. This allows for no more than six cigars per year and a urine specimen must be negative for nicotine. The celebratory cigar exception is available by request only. Here is how to apply for this exception: Bring the exception to your underwriter s attention and include a cover letter For full applications, be sure to include the number of cigars smoked in the past year when completing the tobacco questions For the Life e-app, indicate the request and the number of cigars smoked per year in the agent cover letter during the Life e-app process For the Lite application process, if the client indicates cigar use during the phone interview, ExamOne asks how many cigars the client has smoked in the prior year Page 5 of 10 nt Information Only
Target premium rates Low band ($35,000-$99,999) 61 28.29 37.61 62 29.89 39.71 18 4.55 5.81 63 31.60 41.91 19 4.69 6.01 64 33.40 44.23 20 4.84 6.21 65 35.32 46.66 21 5.00 6.42 66 37.35 49.22 22 5.16 6.64 67 39.53 51.96 23 5.33 6.88 68 41.88 54.91 24 5.51 7.12 69 44.42 58.11 25 5.70 7.38 70 47.18 61.61 26 5.90 7.65 71 50.19 65.41 27 6.11 7.94 72 53.43 69.50 28 6.33 8.23 73 56.90 73.81 29 6.57 8.55 74 60.61 78.36 30 6.82 8.88 75 64.62 83.17 31 7.08 9.23 76 68.92 88.23 32 7.35 9.61 77 73.58 93.68 33 7.65 10.00 78 78.61 99.53 34 7.96 10.42 79 84.00 105.75 35 8.29 10.87 80 89.75 112.32 36 8.64 11.34 37 9.00 11.84 38 9.39 12.36 39 9.80 12.92 40 10.23 13.50 41 10.68 14.12 42 11.17 14.78 43 11.67 15.47 44 12.21 16.19 45 12.77 16.95 46 13.37 17.75 47 14.00 18.60 48 14.66 19.49 49 15.36 20.44 50 16.12 21.46 51 16.92 22.54 52 17.77 23.68 53 18.67 24.90 54 19.63 26.19 55 20.64 27.54 56 21.71 28.96 57 22.85 30.47 58 24.07 32.07 59 25.37 33.78 60 26.78 35.63 Target premium rates High band ($100,000 and above) Sel+ Sel UStd PStd Std Sel+ Sel UStd PStd Std 61 21.65 24.66 27.58 31.20 36.90 62 22.87 26.08 29.19 32.92 39.00 18 3.15 3.50 3.85 4.47 5.11 63 24.16 27.59 30.89 34.73 41.20 19 3.26 3.62 3.99 4.64 5.31 64 25.52 29.18 32.70 36.62 43.52 20 3.38 3.76 4.14 4.81 5.51 65 26.96 30.88 34.61 38.60 45.95 21 3.50 3.90 4.29 5.00 5.72 66 28.48 32.68 36.64 40.67 48.51 22 3.64 4.04 4.46 5.19 5.94 67 30.12 34.61 38.82 42.89 51.25 23 3.78 4.20 4.63 5.39 6.18 68 31.88 36.68 41.17 45.29 54.20 24 3.92 4.36 4.81 5.61 6.42 69 33.78 38.93 43.71 47.89 57.40 25 4.07 4.53 5.00 5.83 6.68 70 35.84 41.37 46.47 50.73 60.90 26 4.24 4.71 5.20 6.07 6.95 71 38.08 44.02 49.48 53.84 64.71 27 4.41 4.90 5.41 6.31 7.24 72 40.49 46.87 52.72 57.16 68.79 28 4.58 5.10 5.63 6.57 7.53 73 43.05 49.93 56.18 60.66 73.10 29 4.77 5.31 5.87 6.84 7.85 74 45.80 53.21 59.90 64.34 77.65 30 4.97 5.54 6.11 7.13 8.18 75 48.74 56.74 63.91 68.23 82.46 31 5.18 5.77 6.38 7.43 8.53 76 51.88 60.54 68.21 72.30 87.52 32 5.40 6.02 6.65 7.76 8.90 77 55.27 64.65 72.87 76.69 92.97 33 5.64 6.29 6.95 8.10 9.30 78 58.92 69.10 77.89 81.38 98.81 34 5.88 6.56 7.26 8.46 9.72 79 62.84 73.89 83.28 86.39 105.04 35 6.15 6.86 7.59 8.84 10.17 80 67.04 79.03 89.03 91.68 111.60 36 6.42 7.17 7.93 9.24 10.64 37 6.71 7.50 8.30 9.67 11.13 38 7.02 7.85 8.69 10.12 11.66 39 7.34 8.21 9.10 10.59 12.21 40 7.69 8.60 9.53 11.09 12.80 41 8.05 9.01 9.98 11.62 13.42 42 8.43 9.44 10.47 12.18 14.07 43 8.83 9.89 10.97 12.76 14.76 44 9.25 10.37 11.51 13.38 15.49 45 9.69 10.88 12.07 14.03 16.25 46 10.16 11.41 12.67 14.71 17.05 47 10.65 11.97 13.29 15.42 17.90 48 11.17 12.56 13.96 16.17 18.79 49 11.72 13.19 14.66 16.98 19.74 50 12.31 13.86 15.41 17.83 20.75 51 12.93 14.57 16.21 18.74 21.83 52 13.59 15.33 17.06 19.70 22.98 53 14.29 16.13 17.97 20.71 24.20 54 15.03 16.99 18.92 21.78 25.48 55 15.81 17.88 19.94 22.90 26.84 56 16.63 18.83 21.01 24.07 28.26 57 17.51 19.85 22.15 25.31 29.76 58 18.44 20.92 23.36 26.63 31.36 59 19.43 22.08 24.67 28.05 33.07 60 20.50 23.32 26.07 29.57 34.92 Page 6 of 10 nt Information Only
Minimum premium rates Low band ($35,000-$99,999) 61 17.91 25.80 62 19.20 27.97 18 3.35 3.87 63 20.56 30.16 19 3.38 3.92 64 21.96 32.38 20 3.40 3.97 65 23.40 34.59 21 3.49 4.10 66 24.90 36.66 22 3.59 4.23 67 26.57 39.01 23 3.69 4.37 68 28.57 41.85 24 3.79 4.53 69 30.92 45.23 25 3.88 4.66 70 33.68 49.27 26 3.98 4.81 71 36.89 54.01 27 4.08 4.94 72 40.51 59.17 28 4.17 5.07 73 44.50 64.61 29 4.27 5.20 74 48.98 70.44 30 4.38 5.36 75 54.08 76.79 31 4.50 5.54 76 59.20 82.98 32 4.64 5.73 77 65.03 89.94 33 4.79 5.95 78 71.53 97.58 34 4.96 6.19 79 78.65 105.80 35 5.13 6.45 80 86.41 114.59 36 5.33 6.73 37 5.55 7.05 38 5.78 7.40 39 6.04 7.79 40 6.32 8.22 41 6.54 8.61 42 6.78 9.02 43 7.05 9.47 44 7.30 9.91 45 7.57 10.36 46 7.84 10.82 47 8.13 11.28 48 8.44 11.80 49 8.78 12.39 50 9.20 13.10 51 9.68 13.93 52 10.20 14.85 53 10.77 15.83 54 11.35 16.69 55 11.94 17.36 56 12.73 18.29 57 13.62 19.33 58 14.64 20.53 59 15.68 22.02 60 16.69 23.76 Minimum premium rates High band ($100,000 and above) Sel+ Sel UStd PStd Std Sel+ Sel UStd PStd Std 61 14.30 15.45 17.11 21.34 25.00 62 15.20 16.52 18.40 23.06 27.15 18 2.42 2.51 2.61 2.94 3.13 63 16.13 17.63 19.75 24.76 29.34 19 2.45 2.54 2.64 2.99 3.19 64 17.06 18.77 21.13 26.43 31.55 20 2.47 2.57 2.67 3.03 3.24 65 17.99 19.95 22.55 28.04 33.75 21 2.56 2.65 2.75 3.15 3.36 66 18.83 20.97 24.03 29.44 35.81 22 2.64 2.74 2.85 3.27 3.50 67 19.81 22.14 25.71 31.10 38.15 23 2.74 2.84 2.95 3.40 3.64 68 21.02 23.54 27.69 33.17 40.98 24 2.83 2.93 3.05 3.54 3.79 69 22.48 25.23 30.02 35.72 44.36 25 2.92 3.02 3.14 3.67 3.93 70 24.24 27.22 32.77 38.86 48.40 26 3.02 3.12 3.24 3.80 4.07 71 26.35 29.56 35.98 42.62 53.13 27 3.12 3.22 3.34 3.93 4.21 72 28.71 32.17 39.60 46.68 58.28 28 3.22 3.31 3.43 4.06 4.34 73 31.27 35.02 43.56 50.95 63.70 29 3.31 3.41 3.53 4.19 4.47 74 34.10 38.20 48.03 55.50 69.53 30 3.43 3.52 3.64 4.35 4.63 75 37.30 41.81 53.13 60.43 75.86 31 3.55 3.64 3.77 4.52 4.80 76 40.55 45.67 58.24 65.18 82.05 32 3.68 3.77 3.90 4.70 4.99 77 44.28 50.11 64.08 70.51 89.01 33 3.83 3.92 4.05 4.91 5.21 78 48.45 55.07 70.56 76.38 96.66 34 3.99 4.08 4.22 5.14 5.45 79 53.05 60.55 77.70 82.66 104.89 35 4.15 4.25 4.40 5.38 5.71 80 58.09 66.55 85.45 89.36 113.66 36 4.34 4.44 4.60 5.64 6.00 37 4.54 4.65 4.82 5.94 6.32 38 4.74 4.87 5.05 6.26 6.66 39 4.97 5.11 5.30 6.61 7.05 40 5.22 5.37 5.58 6.99 7.48 41 5.41 5.57 5.81 7.33 7.87 42 5.60 5.78 6.05 7.68 8.28 43 5.82 6.02 6.31 8.07 8.73 44 6.03 6.25 6.57 8.45 9.18 45 6.25 6.49 6.84 8.85 9.63 46 6.48 6.74 7.11 9.24 10.08 47 6.72 6.99 7.39 9.65 10.55 48 6.99 7.28 7.70 10.11 11.06 49 7.28 7.59 8.05 10.63 11.66 50 7.63 7.97 8.47 11.27 12.37 51 8.03 8.39 8.94 11.99 13.19 52 8.46 8.87 9.47 12.79 14.12 53 8.91 9.36 10.03 13.62 15.09 54 9.37 9.87 10.61 14.31 15.95 55 9.83 10.39 11.20 14.79 16.63 56 10.44 11.06 11.98 15.46 17.54 57 11.14 11.83 12.86 16.23 18.57 58 11.93 12.72 13.87 17.15 19.77 59 12.72 13.61 14.90 18.31 21.23 60 13.44 14.44 15.91 19.69 22.97 Page 7 of 10 nt Information Only
Target premium rates Low band ($35,000-$99,999) 61 23.06 29.56 62 24.28 31.09 18 3.89 4.82 63 25.58 32.68 19 4.02 5.00 64 26.95 34.34 20 4.15 5.17 65 28.39 36.07 21 4.29 5.35 66 29.98 38.00 22 4.43 5.54 67 31.68 40.07 23 4.58 5.74 68 33.52 42.29 24 4.74 5.96 69 35.50 44.69 25 4.91 6.18 70 37.64 47.30 26 5.08 6.41 71 39.97 50.12 27 5.27 6.66 72 42.46 53.13 28 5.46 6.92 73 45.11 56.27 29 5.67 7.19 74 47.93 59.56 30 5.88 7.48 75 50.93 63.01 31 6.11 7.78 76 54.18 66.72 32 6.34 8.09 77 57.71 70.71 33 6.60 8.42 78 61.52 74.99 34 6.86 8.77 79 65.64 79.59 35 7.13 9.14 80 70.12 84.56 36 7.42 9.52 37 7.73 9.92 38 8.05 10.34 39 8.38 10.79 40 8.74 11.25 41 9.11 11.75 42 9.51 12.27 43 9.92 12.82 44 10.36 13.39 45 10.82 13.99 46 11.31 14.63 47 11.82 15.30 48 12.37 16.01 49 12.95 16.77 50 13.56 17.57 51 14.20 18.39 52 14.87 19.25 53 15.58 20.16 54 16.33 21.12 55 17.13 22.13 56 17.97 23.19 57 18.86 24.31 58 19.81 25.49 59 20.82 26.76 60 21.90 28.11 Target premium rates High band ($100,000 and above) Sel+ Sel UStd PStd Std Sel+ Sel UStd PStd Std 61 17.01 19.69 22.35 24.72 28.85 62 17.91 20.76 23.58 25.99 30.38 18 2.58 2.89 3.20 3.67 4.13 63 18.86 21.88 24.88 27.32 31.98 19 2.67 3.00 3.32 3.81 4.29 64 19.86 23.06 26.24 28.69 33.64 20 2.78 3.12 3.45 3.96 4.47 65 20.90 24.30 27.68 30.12 35.36 21 2.88 3.24 3.59 4.12 4.65 66 22.05 25.66 29.27 31.70 37.29 22 2.99 3.37 3.73 4.29 4.84 67 23.27 27.12 30.98 33.39 39.36 23 3.11 3.50 3.88 4.46 5.04 68 24.59 28.69 32.81 35.22 41.59 24 3.23 3.64 4.04 4.65 5.26 69 26.01 30.38 34.79 37.19 43.99 25 3.36 3.79 4.21 4.84 5.48 70 27.54 32.21 36.94 39.32 46.59 26 3.50 3.95 4.38 5.05 5.71 71 29.20 34.19 39.26 41.64 49.41 27 3.64 4.11 4.57 5.26 5.96 72 30.97 36.30 41.75 44.09 52.41 28 3.79 4.28 4.76 5.48 6.22 73 32.84 38.55 44.40 46.66 55.56 29 3.94 4.46 4.97 5.72 6.49 74 34.83 40.94 47.22 49.35 58.85 30 4.11 4.66 5.18 5.97 6.78 75 36.94 43.47 50.22 52.15 62.30 31 4.28 4.85 5.41 6.23 7.08 76 39.21 46.22 53.48 55.15 66.01 32 4.46 5.06 5.64 6.50 7.39 77 41.66 49.19 56.99 58.37 70.00 33 4.66 5.29 5.89 6.79 7.72 78 44.30 52.39 60.80 61.85 74.27 34 4.86 5.52 6.16 7.09 8.07 79 47.15 55.86 64.93 65.61 78.88 35 5.07 5.76 6.43 7.41 8.44 80 50.23 59.63 69.41 69.70 83.85 36 5.29 6.02 6.72 7.74 8.82 37 5.52 6.29 7.03 8.09 9.22 38 5.77 6.57 7.35 8.45 9.64 39 6.03 6.87 7.68 8.84 10.09 40 6.30 7.18 8.04 9.24 10.55 41 6.58 7.51 8.41 9.66 11.05 42 6.88 7.86 8.81 10.11 11.57 43 7.20 8.23 9.22 10.58 12.11 44 7.53 8.61 9.66 11.07 12.69 45 7.88 9.02 10.12 11.59 13.29 46 8.25 9.44 10.61 12.13 13.93 47 8.64 9.90 11.12 12.71 14.60 48 9.05 10.38 11.67 13.32 15.31 49 9.49 10.88 12.24 13.96 16.07 50 9.95 11.42 12.86 14.64 16.87 51 10.43 11.98 13.49 15.34 17.69 52 10.94 12.57 14.17 16.07 18.55 53 11.47 13.19 14.88 16.84 19.46 54 12.03 13.85 15.63 17.65 20.41 55 12.62 14.54 16.42 18.50 21.42 56 13.25 15.27 17.27 19.39 22.48 57 13.91 16.05 18.16 20.33 23.61 58 14.61 16.88 19.11 21.32 24.79 59 15.36 17.75 20.12 22.38 26.06 60 16.16 18.69 21.20 23.51 27.41 Page 8 of 10 nt Information Only
Minimum premium rates Low band ($35,000-$99,999) 61 15.02 20.70 62 16.13 21.92 18 2.89 3.12 63 17.15 23.21 19 2.92 3.16 64 18.02 24.54 20 2.95 3.21 65 18.96 25.96 21 3.03 3.30 66 19.89 27.32 22 3.11 3.41 67 21.00 28.95 23 3.21 3.53 68 22.30 30.90 24 3.30 3.65 69 23.86 33.24 25 3.39 3.77 70 25.70 36.01 26 3.50 3.91 71 27.90 39.29 27 3.61 4.06 72 30.30 42.79 28 3.73 4.21 73 32.91 46.52 29 3.84 4.36 74 35.79 50.47 30 3.97 4.54 75 38.90 54.61 31 4.11 4.73 76 41.98 58.51 32 4.25 4.93 77 45.59 63.00 33 4.41 5.15 78 49.84 68.15 34 4.57 5.38 79 54.71 73.93 35 4.74 5.60 80 60.31 80.43 36 4.92 5.83 37 5.10 6.07 38 5.29 6.32 39 5.49 6.59 40 5.70 6.88 41 5.87 7.13 42 6.03 7.40 43 6.23 7.71 44 6.44 8.05 45 6.67 8.44 46 6.94 8.87 47 7.21 9.32 48 7.51 9.81 49 7.83 10.33 50 8.17 10.87 51 8.52 11.42 52 8.90 12.01 53 9.30 12.62 54 9.73 13.27 55 10.16 13.93 56 10.78 14.83 57 11.47 15.81 58 12.22 16.90 59 13.05 18.09 60 13.98 19.44 Minimum premium rates High band ($100,000 and above) Sel+ Sel UStd PStd Std Sel+ Sel UStd PStd Std 61 12.26 13.20 14.21 17.78 19.90 62 13.16 14.19 15.33 18.79 21.11 18 2.09 2.12 2.15 2.33 2.39 63 13.92 15.08 16.32 19.80 22.38 19 2.12 2.15 2.18 2.36 2.43 64 14.52 15.80 17.20 20.85 23.71 20 2.15 2.18 2.21 2.40 2.47 65 15.11 16.56 18.12 21.90 25.10 21 2.22 2.26 2.29 2.50 2.57 66 15.74 17.30 19.04 22.85 26.47 22 2.31 2.35 2.38 2.60 2.68 67 16.48 18.18 20.14 24.04 28.09 23 2.39 2.43 2.47 2.71 2.79 68 17.39 19.23 21.44 25.51 30.04 24 2.49 2.53 2.56 2.82 2.91 69 18.49 20.49 22.99 27.30 32.36 25 2.58 2.62 2.66 2.94 3.04 70 19.81 22.01 24.83 29.50 35.12 26 2.68 2.72 2.76 3.07 3.17 71 21.40 23.80 27.01 32.15 38.39 27 2.78 2.83 2.87 3.21 3.32 72 23.15 25.75 29.40 34.94 41.89 28 2.89 2.94 2.99 3.35 3.47 73 25.04 27.90 32.02 37.85 45.62 29 3.00 3.05 3.11 3.49 3.63 74 27.10 30.21 34.87 40.86 49.55 30 3.12 3.17 3.23 3.66 3.80 75 29.32 32.73 37.98 43.94 53.70 31 3.25 3.31 3.37 3.84 4.00 76 31.37 35.19 41.05 46.70 57.59 32 3.38 3.44 3.51 4.02 4.19 77 33.79 38.09 44.68 49.93 62.08 33 3.52 3.59 3.67 4.22 4.41 78 36.62 41.49 48.91 53.68 67.23 34 3.67 3.75 3.84 4.43 4.64 79 39.90 45.39 53.79 57.91 73.01 35 3.82 3.91 4.00 4.64 4.86 80 43.65 49.89 59.40 62.74 79.50 36 3.98 4.08 4.18 4.86 5.09 37 4.16 4.26 4.37 5.09 5.33 38 4.32 4.43 4.55 5.32 5.58 39 4.51 4.63 4.76 5.58 5.85 40 4.70 4.83 4.97 5.85 6.15 41 4.84 4.98 5.13 6.07 6.39 42 4.98 5.13 5.30 6.30 6.66 43 5.15 5.31 5.49 6.57 6.98 44 5.32 5.50 5.70 6.87 7.31 45 5.51 5.72 5.94 7.21 7.70 46 5.73 5.96 6.20 7.58 8.13 47 5.95 6.20 6.47 7.97 8.58 48 6.20 6.48 6.78 8.41 9.08 49 6.46 6.76 7.09 8.86 9.59 50 6.74 7.07 7.43 9.34 10.13 51 7.04 7.39 7.79 9.84 10.68 52 7.36 7.74 8.17 10.37 11.27 53 7.68 8.09 8.56 10.90 11.89 54 8.02 8.47 8.99 11.46 12.53 55 8.36 8.86 9.43 12.01 13.19 56 8.85 9.41 10.04 12.75 14.08 57 9.39 10.01 10.71 13.59 15.06 58 9.98 10.68 11.45 14.49 16.12 59 10.65 11.43 12.26 15.53 17.32 60 11.41 12.24 13.18 16.69 18.65 Page 9 of 10 nt Information Only
Notes This is not a policy. For a complete statement of the coverages and exclusions, please see the policy contract. All applicants are subject to underwriting approval. Products available in most states. Copyright 2015 The Cincinnati Life Insurance Company. All rights reserved. Do not reproduce, post online or otherwise reuse this work, in whole or in part, without written permission. 6200 S. Gilmore Road, Fairfield, OH 45014-5141 Page 10 of 10 nt Information Only cinfin.com (3/14)