Jefferson Pilot

Jefferson Pilot Corporation, a holding company (NYSE:JP), is one of the nation's largest shareholder-owned life insurance companies.

Jefferson Pilot's life insurance and annuity companies, principally Jefferson-Pilot Life Insurance Company, Jefferson Pilot Financial Insurance Company and Jefferson Pilot Life America Insurance Company, together known as Jefferson Pilot Financial, offer full lines of individual and group life insurance products as well as annuity products.

Jefferson Pilot Securities Corporation, member SIPC, provides a wide array of securities and variable insurance products sold through a nationwide network of more than 2,300 independent financial professionals.

Jefferson-Pilot Communications Company owns and operates three network television stations and 18 radio stations, and produces and syndicates sports programming.

Financial Strength Ratings

Jefferson Pilot Financial
Address1	PO Box 21008
Address2	-
City	Greensboro
State	NC
Zip	27420
Phone Number	800/458-5299
Fax Number	336/610-3900
WebPage	www.myjpf.com

JPF Prelude Plus
Jefferson Pilot Financial - JPF Prelude Plus Product Features
State Approvals
Type	Prelude Plus GP term series rates are level during the guarantee period. After the guarantee period ends, premiums increase annually on a current and guaranteed basis to age 95. Premiums are payable to age 95.
Conversion Options	Prelude Plus GP series policies may be converted at any time during the policy years shown below or through the insured’s age 69, whichever comes first. Conversion will not be permitted while the policy is on a disability waiver claim. GP-10: First 10 policy years GP-15: First 15 policy years GP-20: First 20 policy years GP-30: First 30 policy years The Prelude Plus GP series policy may be converted to any permanent single life product written by Jefferson Pilot Financial Insurance Company or Jefferson-Pilot Life Insurance Company available on the date of conversion. No proof of insurability is required if the amount of insurance on the new policy is no greater than that of the old policy, and the new policy does not contain any additional riders. Partial conversions may be done as long as the amount of insurance remaining meets the minimum issue amount requirement of $500,000. There are no conversion credits. Proof of insurability and company approval will be required if the new policy: contains benefits or riders, even if they were on the Prelude Plus GP policy involves insurance on another life includes an increase in the amount of life insurance involves a change in class of risk
Issue Ages	Age Nearest Birthday GP-10: 18-75 GP-15: 18-65 GP-20: 18-60 GP-30: 18-50 (Non-tobacco Classes); 18-45 (Tobacco Classes)
Face Amounts Min/Max	Band 1: $500,000-$999,999 Band 2: $1,000,000+ Maximum issue amount is subject to underwriting approval.
Modal Factors	Semi-annual = 0.515 Quarterly = 0.262 Monthly = 0.089
Policy Fee	A non-commissionable policy fee of $75 is charged each year. The policy fee will be reduced to $37.50 when underwritten concurrently with selected Jefferson Pilot Financial Insurance Company or Jefferson-Pilot Life Insurance Company products. For spouses or business partners/owners who apply for Prelude Plus GP insurance together, the $75 annual term policy fee will be reduced to $37.50 on each policy. To qualify for this rate, applications must be received, issued and paid together.
Special Product Features	Accelerated Benefit: This rider allows a policyowner to receive up to 50 percent of the policy death benefit within six months of expected death of the insured (subject to a $250,000 maximum). There is no premium charge for this rider. (Please note that this benefit is for terminal illness only. A critical illness or nursing home benefit is not available.) The owner must apply for this rider and request the benefit. An administrative charge of $300 and an actuarial discount are deducted from the benefit amount. Children’s Insurance: This rider provides level term insurance for each child. All children, including stepchildren and legally adopted children of the insured who are members of the insured’s household, at least 15 days old and under the age of 18 on the day of issue and who are named on the application are covered. In addition, children who are born or legally adopted by the insured after the date of application are covered. Issue amounts are 1 to 15 units of $1,000 each. The premium is $5 per unit. Issue ages (of the base insured) are 18-55. Rider coverage expires on the earlier of the youngest child's 25th birthday or policy insured's age 65. The coverage for a child may be converted to a permanent plan of insurance without evidence of insurability at any time within 60 days before and 31 days after the coverage expires for an amount up to five times the amount of the coverage. Waiver of Premium: This rider waives the total premium in the event of and during total disability occurring prior to the policy anniversary nearest the insured’s 65th birthday. Total disability must exist for four months before any benefit is payable. Issue ages are 18-59. It is available for substandard policies to Table D. Premiums are payable to the policy anniversary nearest the insured’s 65th birthday.
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Jefferson Pilot Financial - JPF Prelude Plus Underwriting Guidelines
Classes	Preferred Plus Non-tobacco Preferred Non-tobacco Standard Non-tobacco Preferred Tobacco Standard Tobacco Substandard issue is available to Table F.
Re-entry	On the Exchange Date (end of the guaranteed level premium period of 10, 15, 20 or 30 years) the owner may exchange the policy for a new policy subject to the following conditions: The face amount of the new policy must be equal to or less than the face amount of the original policy. The new policy will be on the same plan as the initial policy. A new application must be submitted not more than 90 days or less than 60 days before the Exchange Date. Satisfactory evidence of insurability must be submitted. The policy date of the new policy will be the Exchange Date. The issue age on the new policy will be the insured’s attained age nearest birthday on the Exchange Date. The issue age on the new policy cannot exceed the maximum issue age for the plan. The premium rates on the new policy will be those then in use at the time of the exchange. Any rider or benefit which was on the original policy may be included on the new policy subject to the rules and premium rates then in use.
Tobacco Definition	Preferred Plus Non-Tobacco User — Preferred Plus is our best risk classification and includes those applicants who have not used tobacco or nicotine in any form in the past 36 months and meet all of the "preferred" and "preferred plus" criteria. Preferred Non-Tobacco User — This class is for clients who enjoy exceptional health and who have not used tobacco or nicotine in any form in the past 24 months, except for the occasional cigar user provided the urine specimen is negative for nicotine, have not used cigarettes in the past 5 years, and meet all of the "preferred" criteria. Preferred Tobacco User---This class is similar to the preferred non-tobacco class, but the insured has used tobacco or nicotine within the past year and/or has a urine specimen that is positive for nicotine. This includes users of pipes and/or chewing tobacco. Standard Non-Tobacco User — This class represents those insureds who have an average life expectancy, have not used tobacco or nicotine in any form in the past 12 months and do not meet the "preferred" criteria. This class includes the substandard risks for the non-tobacco user classes and those occasional cigar users who have not used cigarettes in the past 5 years and who test negative for nicotine in the urinalysis. Standard Tobacco User — This class is similar to the standard non-tobacco class, but the insured has used tobacco or nicotine within the past year and/or has a urine specimen that is positive for nicotine. This includes users of pipes and/or chewing tobacco. This class includes the substandard risks for the non-tobacco user class.
Special Underwriting Features	Preferred Plus Non-Tobacco User Criteria: The preferred criteria must be met as well as the following criteria: No personal history of cardiovascular disease, diabetes, and/or cancer (excluding benign skin cancer). No use of tobacco or nicotine in any form within the last 36 months. No history of alcohol or drug abuse. No private aviation or other hazardous activity including scuba diving. No family history of diabetes or coronary artery disease resulting in death of a parent or sibling prior to age 65. No more than one moving violation in the past two years or two moving violations during the past three years. No history of a DWI/DUI during the past five years. Cholesterol level must be lower than 225 and the Cholesterol/HDL ratio must be lower than 5.0 at ages less than 45. Cholesterol level must be lower than 230 and the Cholesterol/HDL ratio must be lower than 5.5 at ages 45 and up. No treated hypertension (medication) within the past 12 months with a 12 month average of 140/90 or better for all ages. Preferred Non-Tobacco User Criteria: Standard risk with no extra mortality. No tobacco or nicotine within the past 24 months. A nicotine positive HOS will preclude preferred consideration. The occasional cigar user (using no more than one per week) may also be considered for preferred provided the urine specimen is negative for nicotine and they have not used cigarettes in the past 5 years, and meet all of the other "preferred" criteria. No family history of diabetes or coronary artery disease resulting in the death of a parent or sibling prior to age 60. No private aviation (pilot or crew member of regularly scheduled commercial airline does not preclude Preferred). No ratable hazardous avocations or occupations. No history of alcohol or drug abuse in the last 10 years. No more than one moving violation in the past year or more than two driving violations within the previous three years. No DUI/DWI or license suspension within the past five years. Must be a US or Canadian citizen or permanent resident. No travel to countries where there is a risk of exposure to terrorism. No travel to a Third World country on a regular basis. Blood pressure readings, treated and untreated, must average, for the past 12 months: 140/90 or better if less than age 65; 150/90 or better if age 65 or older *Cholesterol level must be lower than 230 at ages 45 and below. Cholesterol level must be less than 245 at ages 45 and up.

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