International Marketing - International Portfolio

MILLENNIA 2000 SERIES
I.	Millennia 2000 - Participating whole life policy - Minimum $100,000.00
	Builds large U.S.-dollar amounts for retirement, pension, family or business protection Designed to provide monthly lifetime retirement income or lump sum return Provides terminal illness and dismemberment benefits Issuable to ages 0 to 75 to qualified individuals
II.	Global 2000 - Participating whole life -- A family protection plan
	Minimum $100,000.00 face amount on primary insured, $50,000.00 on spouse, and $10,000.00 on each of the children, regardless of number Build-ups of guaranteed cash values Issuable to heads of households ages 18 and 60
III.	Future 2000 - Twenty-pay, participating whole life policy benefits
	20-payment policy Structured limited payment period that accumulates large cash amounts Pays face amount, plus returns all premiums in the event of death during payment period Supplementary deposit contract from 20th year to age 65, and guaranteed monthly lifetime income thereafter Pays insured in event of terminal illness or accidental dismemberment Issuable to qualified persons ages 0 to 45
IV.	Legacy 2000 -- Participating whole life, educational policy -- Minimum $50,000.00
	Builds large cash values Provides parents with funds for child college studies Provides payments in the event of insured's death Pays in the event of terminal illness and accidental dismemberment Issuable to children ages 0 to 14
V.	Dynamic 2000 - Joint, whole life, participating - Minimum $100,000.00
	Provides life insurance protection on two insured, can be a married couple or business partners Pays on first to die Is both a death protection and a retirement income plan Features living benefit payments -- terminal illness for the insured; and at age 65 a guaranteed monthly lifetime retirement income
VI.	Unique 2000 - Combination, participating policy - Minimum $250,000.00
	Fifty percent whole life cash accumulation and fifty percent level term to age 65 Terminal illness payment Builds large guaranteed cash amount to create income starting at age 65 Issuable to ages 20 to 65
VII.	Synergy 2000 - Combination, participating policy - Minimum $500,000.00
	Twenty percent whole life and eighty percent level term to age 65 Face amount at age 65 becomes $100,000.00 Terminal illness payment to insured At age 65, guaranteed cash values to create a monthly lifetime income at retirement Creates large face amount of life insurance coverage for low premium amount per $1,000 with cash values Policy is issuable to ages 20 to 65
VIII.	Classic 2000 - Whole life endowment policy - Minimum $100,000.00
	Twenty-pay endowment policy --cash value equals face amount in twenty years Fast way to accumulate large amount of dollars at any age Features terminal illness payments Lifetime income at age 65 Issuable to ages 0 to 55
IX.	Dynasty 2000 - Participating whole life policy - Minimum $100,000.00
	Specific retirement income amount Guaranteed cash value at age 65 produces $143,900 - lifetime income of $1,000.00 per month for a male age 65 Payment for terminal illness Issuable age 0 to 55
X.	Cyber 2000 - Participating whole life policy - Minimum $50,000.00
	Excellent starter life insurance for children Develops large guaranteed cash values for educational or retirement needs At Insured's age of 21, policy face amount automatically increases five times to $250,000.00 without evidence of insurability Pays Insured in the event of terminal illness
XI.	Benefits and options that can be added to whole life policies
	Accidental Death and Dismemberment Benefit Agreement Accidental Death Benefit Provisions Beneficiary Accidental Death Benefit Provisions Decreasing Term Benefit Provisions Waiver of Premium Disability Benefit Provisions Waiver of Premium on Death of Payor Benefit Provisions Waiver of Premium on Death or Disability of Payor Benefit Provisions Millennia plans feature special deposit option for building more retirement values