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Assurity Legacy Aviva Aviva North American   Estate Maximizer Keepsake 201 Treasure 201 Legacy Optimizer           Product Type Single Premium Whole Life Single Premium Universal Life Single Premium Universal Life Single Premium Universal Life           Issue Ages 0-85 Age Last Birthday 40-85 Age Last Birthday 40-85 Age Last Birthday 45-85 Age Last Birthday           Commission Double Digit - Call for Quote 8% (All Ages) 4% (All Ages) 8% (All Ages)           Minimum Premium/Face $5,000 Minimum Face $15,000 Minimum Premium $15,000 Minimum Premium $10,000 Minimum Premium           Product Features * Guaranteed Cash Value * Return of Premium Guaranteed * 4% Premium Bonus * Guaranteed Return of Premium   * Guaranteed Death Benefit * 10% Penalty Free Withdrawals which does NOT void guarantees * Guaranteed Return of Premium * Guaranteed Death Benefit assuming no loans/withdrawals   * Telephone I/V @ Time of App * Guaranteed Death Benefit * Guaranteed Death Benefit assuming no loans/withdrawals * 10% Penalty Free Withdrawals after 1st policy year   * Endows @ Age 110 * Multiple Pay Options * 10% Penalty Free Withdrawals     * Jet Issue - 72 hours                 Accelerated DB * Confined Care Rider 2% of death benefit per month * Terminal Illness for 12 months or less - up to 50% of death benefit * Terminal Illness for 12 months or less - up to 50% of death benefit * Terminal Illness for 24 months or less - up to 75% ($250,000) of death benefit   * Community Care Rider 1% of death benefit per month * Nursing Home Waiver penalty free withdrawals up to $5,000 per month out of cash value * Nursing Home Waiver penalty free withdrawals up to $5,000 per month out of cash value     * Terminal Illness 12 months or less                 Underwriting * Standard up to Table 4 - not to exceed $150,000 net amount @ risk * Standard up to Table D * Standard up to Table D * Non-Tobacco & Tobacco: simplified underwriting for issue ages up to age 80, up to $150,000 net amount @ risk   * Sub-Standard up to Table P * Sub-Standard up to Table P * Full Traditional Underwriting issue ages 81-85 or net amount at risk above $150,000     * Simplified Issue up to $100,000 net amount @ risk * Simplified Issue up to $100,000 net amount @ risk       * Fully Underwritten for over $100,000 net amount @ risk * Fully Underwritten for over $100,000 net amount @ risk             Interest Rate N/A 3% Minimum Guarantee 3% Minimum Guarantee 3% Minimum Guarantee     Call for current rates Call for current rates Call for current rates           Rating A- by AM Best A by AM Best A by AM Best A by AM Best