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First Colony Life Insurance Company - Colony 5/10/15/20® and Colony 30® Product Features
State Approvals	Available in all states except New York. Variation available in Maryland. First Colony Life Insurance Company products, Lynchburg, VA, is licensed in all states except New York. For Producer/Agent information only. Not to be reproduced or shown to the public.
Type	Colony 5/10/15/20^® and Colony 30^® is term life insurance with guaranteed level premiums for 5/10/15/20/30 years. Indeterminate premiums increase annually thereafter to the insured’s attained age 98. Benefits cease at the insured’s attained age 98. Colony 5/10/15/20^® and Colony 30^® are subject to the terms of Policy Form Nos. 1420 (96) et al. and 1421 et al., which include an exclusion period for death by suicide. Subject to state availability and issue limitations.
Conversion Options	The owner may exchange (convert) this policy for any higher premium policy of permanent life insurance made available for this purpose. The new life insurance amount cannot exceed this policy and may not be less than the minimum for the policy selected. Conversion will be at the insured’s attained age, without evidence of insurability. This option is available at any premium due date during the initial period (10/10/15/20/30 years) or to the insured’s attained age 75, whichever comes first. For the Colony 5/10 policies with issue ages of 75-80 and for the Colony 15 policies with an issue age of 75, conversion is available up to one year from the exchange date referred to in the policy. In New Jersey, conversion is available up to one year from the exchange date referred to in the policy for the Colony 5 policies with issue ages of 75-80, and for the Colony 10 policies with issue ages of 75-77.
Issue Ages	Age Nearest Birthday. For Nicotine Use classifications, issue ages begin at age 15. Minimum issue age in Oregon is 18. Colony 5: 50-80 Colony 10: 0-80, except for .....Male and Female Preferred Nicotine Use ages: 15-80 .....Male and Female Standard Plus Nicotine Use ages: 15–80 .....Male and Female Standard Nicotine Use ages: 15–80 Colony 15: 0-75, except for .....Male and Female Preferred Nicotine Use ages: 15–75 .....Male Standard Plus Nicotine Use ages: 15–72 .....Female Standard Plus Nicotine Use ages: 15–75 .....Male Standard Nicotine Use ages: 15-70 .....Female Standard Nicotine Use ages: 15–73 Colony 20: 0-65, except for .....Male and Female Preferred Nicotine Use ages: 15–65 .....Male Standard Plus Nicotine Use ages: 15–63 .....Female Standard Plus Nicotine Use ages: 15–65 .....Male Standard Nicotine Use ages: 15–62 .....Female Standard Nicotine Use ages: 15–65 Colony 30: 0-50, except for .....Male and Female Preferred Nicotine Use ages: 15-50 .....Male Standard Plus Nicotine Use ages: 15-45 .....Female Standard Plus Nicotine Use ages: 15–50 .....Male Standard Nicotine Use ages: 15-45 .....Female Standard Nicotine Use ages: 15–50 ***See rate brochure for details on state variations and limitations on issue ages by underwriting classifications in MD, PA, TX, & WA.
Face Amounts Min/Max	Band Minimum Face Maximum Face 1 $50,000 $99,999 2 $100,000 $249,999 3 $250,000 $999,999 4 $1,000,000 None Note: In certain instances, face amounts near the upper part of a band may have higher premiums than the minimum face amount of the next higher band. As always, we rely on you to ensure that your client is making a suitable choice.
Modal Factors	Semi-annual = .51 (8.2% APR) Quarterly = .26 (10.8% APR) Monthly = .0875 (10.8% APR) Pre-arranged withdrawals only
Policy Fee	Premiums may be paid annually, semi-annually, quarterly or monthly (pre-arranged withdrawals only). Non-annual modal premiums include an annual cost consistent with the listed APR. The yearly premium cost will be higher if paid semi-annually, quarterly or monthly. $50 Annually
Special Product Features	Optional riders are subject to product issue ages and state variations. Waiver of Premium Rider (WP) – Each premium payment which falls due while the insured is totally disabled will be waived. WP rates change when the policy’s premium changes. The rider terminates on the policy anniversary nearest the insured’s 60th birthday. Issue Ages: 5-year term………….….50–55 10/15/20- year term……15–55 30-year term…………...15–50 (15–38 in New Jersey) Issue ages vary by premium classification. Children’s Insurance Rider (CIR) – CIR provides term life insurance for each dependent child age 15 days – 18 years. Up to $10,000 coverage may be purchased in $1,000 increments. Dependent child coverage terminates on the earlier of the child’s 21st birthday or the policy anniversary nearest the insured’s 65th birthday. CIR rate - $5.50 per $1,000 coverage. Issue Ages: 5-year term………….….50–55 10/15/20- year term……18–55 30-year term……… …..18–50 (18–38 in New Jersey) Issue ages vary by premium classification. When both the Waiver of Premium and CIR riders are in force, an additional amount is added to the CIR rate shown above. This additional amount serves as a waiver of premium for the CIR rider and is determined by the insured’s age nearest birthday, as depicted below. This additional amount will remain level for all the years the WP rider is in effect. Ages Added annual charge (per $1,000 coverage) 18–29 .06 30–39 .11 40–49 .18 50–55 .27 Accelerated Death Benefit Rider (ADB) – Provides a lump sum benefit upon diagnosis of a terminal illness that reduces life expectancy to 6 months or less (in most states). Maximum benefit is the difference between (1) and (2): (1) An amount equal to the lessor of (a) $500,000 and (b) the policy loan balance plus 75% of the difference between the death benefit and the policy loan balance. (2) The policy loan balance. The maximum aggregate amount of accelerated death benefit payment the company will make under all policies issued by the company on the insured’s life is $500,000. No initial cost. Interest is charged at the time of payment. An administrative fee is deducted when the option is exercised. Not available in Indiana and New Jersey.

First Colony Life Insurance Company - Colony 5/10/15/20^® and Colony 30^® Underwriting Guidelines
Classes	Preferred Best No Nicotine Use (PBNN) Preferred No Nicotine Use (PNN) Select No Nicotine Use (SLNN) Standard Plus No Nicotine Use (SPNN) Standard No Nicotine Use (SNN) Preferred Nicotine Use (PNU) Standard Plus Nicotine Use (SPNU) Standard Nicotine Use (SNU) No Nicotine Use excludes the use of nicotine and nicotine substitutes.
Re-entry	Subject to the Ages Issued and after the initial period of 10/10/15/20/30 years for the Colony 5/10/15/20/30 policies, the insured can provide full evidence of insurability and purchase a new policy with a new premium guarantee period based on the then current rate at the attained age. 5-year term: Ages 50–70 10-year term: Ages 0–67 (0-66 in MD) 15-year term: Ages 0–52 20-year term: Ages 0–40 30-year term: Not available
Tobacco Definition	Preferred Best: No use of nicotine or nicotine substitutes in last 5 years. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative. Preferred: No use of nicotine or nicotine substitutes in last 3 years. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative. Select: No use of nicotine or nicotine substitutes in last 2 years. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative. Standard Plus: No use of nicotine or nicotine substitutes in last 12 months. Occasional cigar use considered non-nicotine if 12 or less per year and current nicotine test is negative.
Special Underwriting Features	Preferred Best Criteria: *Ages 0-64* Impairments: No diseases, disorders or activities that would affect mortality. Family History: No cardiovascular or cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60. Cholesterol (treated or untreated): Cholesterol 240 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 5.0. Blood Pressure: No current, or history of, blood pressure treatment or medication. No current, or history of, blood pressure readings in excess of: • 140/85 Age 60 or Younger • 150/90 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse. Cancer History: Preferred Best not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. *Ages 65 and Older:* Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65-74: • No cancer disease (except basal cell carcinoma) in either parent or siblings on or before age 60. For ages 75 or older: • No family history limitation. Cholesterol (treated or untreated): • Total cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 45mg/dl. Blood Pressure: • No current, or history of, blood pressure treatment or medication. • No current, or history of, blood pressure readings in excess of 150/90. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse. Cancer History: Preferred Best not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Preferred Criteria: *Ages 0-64:* Impairments: No diseases, disorders or activities that would affect mortality. Family History: For either parent, no cardiovascular or cancer death on or before age 60. Cholesterol (treated or untreated): Cholesterol 270 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 6.0. Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed: • 140/90 Age 60 or Younger • 150/90 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 10 years. Cancer History: Preferred not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Ages 65 and Older: Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65-74: • No cancer death in either parent on or before age 60. For ages 75 or older: • No family history limitation. Cholesterol: (treated or untreated) • Total cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 40mg/dl. Blood Pressure: Currently controlled (treated or untreated) and average reading in last 2 years does not exceed 150/90. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 5 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 10 years. Cancer History: Preferred not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Select Criteria: Ages 0-64 Impairments: No diseases, disorders or activities that would affect mortality. Family History: Not more than one cardiovascular death in parents on or before age 60. Cholesterol (treated or untreated): Cholesterol 285 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 7.0. Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed: • 150/90 Age 60 or Younger • 155/95 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 3 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Select No Nicotine Use not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Ages 65 and Older Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65 and older: • No family history limitation. Cholesterol (treated or untreated): • Total cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 35mg/dl. Blood Pressure: Currently controlled (treated or untreated) and average reading in last 2 years does not exceed 155/95. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 3 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Select No Nicotine Use not available if any cancer history (except basal cell carcinoma). Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra. Standard Plus Criteria: *Ages 0-64* Impairments: No diseases, disorders or activities that would affect mortality. Family History: Not more than one cardiovascular death in parents on or before age 60. Cholesterol (treated or untreated): Cholesterol 300 maximum. CHOL/HDL Ratio: Cholesterol/HDL ratio cannot exceed 8.0. Blood Pressure: Currently controlled and average reading in last 2 years (including treatment) does not exceed: • 155/95 Age 60 or Younger • 60/95 Age 61 or Older Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 2 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Coverage may be available based on specific cancer history. Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: coverage available; however, may require flat extra *Ages 65 and Older* Impairments: No diseases, disorders or activities that would affect mortality. Family History: For ages 65 and older: • No family history limitation. Cholesterol (treated or untreated): • Total Cholesterol between 150 and 300 mg/dl. • HDL greater than or equal to 35mg/dl. Blood Pressure: Currently controlled (treated or untreated) and average reading last 2 years does not exceed 160/95. Driving History: No DWI, DUI, reckless driving, license revocation or suspension in last 2 years. Alcohol/Substance Abuse: No history of, or treatment for, alcohol or substance abuse in last 7 years. Cancer History: Coverage may be available based on specific cancer history. Aviation: Flat extra (available in most cases) or exclusion rider. Hazardous Occupation or Avocation: Coverage available; however, may require flat extra.

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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for: Alabama - AL, Arkansas - AR, California - CA, Colorado - CO, Connecticut - CT, Delaware - DE, District of Columbia - DC, Florida - FL, Georgia - GA, Idaho - ID, Illinois - IL, Indiana - IN, Iowa - IA, Kansas - KS, Kentucky - KY, Term quotes for: Louisiana - LA, Maine - ME, Maryland - MD, Massachusetts - MA, Michigan - MI, Mississippi - MS, Missouri - MO, Montana - MT, Nebraska - NE, New Mexico - NM, New Jersey - NJ, New York - NY, North Carolina - NC, Term quotes for: North Dakota - ND, Ohio - OH, Oklahoma - OK, Pennsylvania - PA, Rhode Island - RI, South Carolina - SC, South Dakota - SD, Tennessee - TN, Term quotes for: Texas - TX, Utah - UT, Vermont - VT, Virginia - VA, and Wisconsin - WI.

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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