Designed for children, Life Start 15 is a permanent life insurance product with a guaranteed cash surrender value. Premiums are only payable for 15 years. Life Start 15 offers your clients cash surrender values and reduced paid-up insurance as of the 6 policy anniversary.

Issue Age
 

• 0 to 17 years old (Age Last)
   

Sum Insured
 

• Min: $10,000
• Max: $100,000
   

Banding
 

• $10,000 - $24,999
• $25,000 - $49,999
• $50,000+
   

Annual Policy Fee
 

• Basic coverage: $50
• Additional coverage: $25
   

Insured life Options
 

• Individual only
   

Premiums
 

• Level and guaranteed. Combined rates only.
   

Conversions
 

• Available for conversion
   

Rate reduction program
 

• Yes, eligible for the Rate reduction program
   

Optional Benefits Available
 

• DisWP - Disability Waiver of Premiums
• DWP - Death Waiver of Premiums
• AF - Accidental Fracture Benefit
• C-AF - Children's Accidental Fracture
• Adis - Accidental Dismemberment
• C-Adis - Children's Accidental Dismemberment
• ADD - Accidental Death or Dismemberment
• GIB - Guaranteed Insurability
   

Supplementary Coverages Available
 

• CPB - Children's Protection Benefit (15 pay)
• SOLO Portfolio (for adults)
   

Participation
 

• Non-participating
   

Cash Surrender Value
 

• Starting on 6 year
   

Termination of Coverage
 

• Until 100 years old
   

Paid-Up Coverage Option
 

• Starting on 6 year
   

Legal Assistance
A direct phone service provided by a lawyer who helps you find answers to the legal concerns you may have.