WL

Basic &
Graded
13Z/29K

BasicLife and
BasicLife Graded Benefit
Guaranteed Cost Whole Life Insurance

Florida Insurance Provider License Number

Underwritten by
Bankers Life and Casualty Company
14850C-FL
1
 BasicLife and BasicLife Graded Benefit
Whole Life Insurance

Permanent life Product Features

insurance protection and Benefits
m Death benefit amounts as low as $2,500
with level premiums,
m Available ages 50–85
guaranteed benefits m Guaranteed renewable for life

and cash value buildup. m Only a few health questions to answer

m Level premium payments, so out-of-pocket

costs never change

m Death benefit guaranteed not to change1

m Long-term cash value buildup

m Access to your policy’s cash value

through loans

m Riders to enhance your policy

m Automatic premium loan provision

m Protects for your entire lifetime, not only

for a defined number of years2

m Avoids the delay and expense of probate,

in most cases

m Death benefits are generally tax-free to

your named beneficiaries

1
Basic Life only.
2
As long as premiums are paid and the policy is inforce.

2
2
 WLBasic &
Graded

Two benefit Death Benefits

structures that help Basic Life
With level benefits, your Basic Life policy’s death benefit equals 100% of your
provide for your policy’s death benefit amount on the very first day of coverage, and it never
decreases as long as premiums are paid. The Accidental Death Benefit will
family when they be equal to 100% of your policy’s death benefit amount in addition to the
basic death benefit.
need it most.
Basic Life Graded Benefit
With your Basic Life Graded Benefit policy, the death benefit steadily increases
over the first two years of ownership until equaling 100% of your policy’s death
benefit amount in policy years three and later.

Year Basic Life Graded Death Benefit

1 110% of first year annual premium, excluding policy fee

2 120% of first two years annual premium, excluding policy fee

3+ 100% of death benefit amount

Riders or Benefits Included in Your Plan

Accelerated Death Benefit Accidental Death Benefit
Provides for advanced payment of a portion of Offers additional coverage equal to your policy’s death
your policy’s death benefit amount in the event benefit amount in the event of accidental death:
of terminal illness. • Basic Life: within 90 days of an accident.
• Basic Life Graded Benefit: within 180 days
Reinstatement Without Evidence of an accident.
of Insurability
Reinstates your policy without evidence of
insurability within 90 days of lapse if you suffered
a cognitive impairment.

Riders may be subject to underwriting and availability. See agent for complete description and
rules of each rider and benefit, including limitations and exclusions.

3
3
 Basic Life
Policy Form ICC16-L-100(17) (Plan 13Z) Cash Values & Annual Premium Rates

Cash Values Per $1,000 of Death Benefit Annual Premium Rates

Male Female Per $1,000*

Issue Age 10 Year 20 Year 10 Year 20 Year Issue Age Male Female
50 135 342 125 319 50 48.64 33.47
51 142 355 131 331 51 50.32 34.30
52 148 369 137 343 52 52.01 35.10
53 155 382 143 356 53 53.79 35.88
54 162 395 149 369 54 55.71 36.68
55 168 409 156 382 55 57.86 37.49
56 175 422 162 395 56 60.06 38.95
57 183 436 169 409 57 62.44 40.50
58 190 450 176 423 58 64.91 42.08
59 198 464 183 437 59 67.42 43.65
60 206 478 191 452 60 69.91 45.21
61 215 493 198 467 61 73.96 47.30
62 223 508 206 481 62 78.13 49.42
63 232 522 214 496 63 82.48 51.64
64 241 537 223 511 64 87.01 53.99
65 250 551 231 525 65 91.80 56.52
66 259 564 240 538 66 96.86 59.28
67 269 577 250 551 67 102.25 62.37
68 280 590 260 564 68 108.00 65.89
69 292 600 270 576 69 114.16 69.94
70 304 609 283 588 70 120.74 74.58
71 316 617 295 599 71 128.31 79.14
72 328 622 308 609 72 136.44 84.31
73 341 627 321 618 73 145.17 90.09
74 354 630 333 627 74 154.53 96.51
75 366 633 345 636 75 164.54 103.53
76 377 636 356 644 76 173.87 112.35
77 388 639 366 651 77 183.67 121.88
78 396 641 376 657 78 193.91 132.03
79 402 642 384 661 79 204.51 142.69
80 406 641 391 664 80 215.41 153.81
81 406 638 396 664 81 221.67 158.26
82 404 634 401 663 82 227.93 162.71
83 400 628 404 661 83 234.19 167.15
84 393 620 407 656 84 240.46 171.59
85 387 612 410 651 85 246.72 176.04
Ages 50-85, age last birthday.
Death Benefits:
Minimum: $2,500
Maximum: $30,000
Minimum Annual Premium: $100
*Add $18.00 annual policy fee when calculating premium.
4
Basic Life
Policy Form ICC16-L-100(17) (Plan 13Z) Sample Annual Premiums*

Death Benefit Amount

$5,000 $15,000 $30,000
Issue Age Male Female Male Female Male Female
50 $261.20 $185.35 $747.60 $520.05 $1,477.20 $1,022.10
51 $269.60 $189.50 $772.80 $532.50 $1,527.60 $1,047.00
52 $278.05 $193.50 $798.15 $544.50 $1,578.30 $1,071.00
53 $286.95 $197.40 $824.85 $556.20 $1,631.70 $1,094.40
54 $296.55 $201.40 $853.65 $568.20 $1,689.30 $1,118.40
55 $307.30 $205.45 $885.90 $580.35 $1,753.80 $1,142.70
56 $318.30 $212.75 $918.90 $602.25 $1,819.80 $1,186.50
57 $330.20 $220.50 $954.60 $625.50 $1,891.20 $1,233.00
58 $342.55 $228.40 $991.65 $649.20 $1,965.30 $1,280.40
59 $355.10 $236.25 $1,029.30 $672.75 $2,040.60 $1,327.50
60 $367.55 $244.05 $1,066.65 $696.15 $2,115.30 $1,374.30
61 $387.80 $254.50 $1,127.40 $727.50 $2,236.80 $1,437.00
62 $408.65 $265.10 $1,189.95 $759.30 $2,361.90 $1,500.60
63 $430.40 $276.20 $1,255.20 $792.60 $2,492.40 $1,567.20
64 $453.05 $287.95 $1,323.15 $827.85 $2,628.30 $1,637.70
65 $477.00 $300.60 $1,395.00 $865.80 $2,772.00 $1,713.60
66 $502.30 $314.40 $1,470.90 $907.20 $2,923.80 $1,796.40
67 $529.25 $329.85 $1,551.75 $953.55 $3,085.50 $1,889.10
68 $558.00 $347.45 $1,638.00 $1,006.35 $3,258.00 $1,994.70
69 $588.80 $367.70 $1,730.40 $1,067.10 $3,442.80 $2,116.20
70 $621.70 $390.90 $1,829.10 $1,136.70 $3,640.20 $2,255.40
71 $659.55 $413.70 $1,942.65 $1,205.10 $3,867.30 $2,392.20
72 $700.20 $439.55 $2,064.60 $1,282.65 $4,111.20 $2,547.30
73 $743.85 $468.45 $2,195.55 $1,369.35 $4,373.10 $2,720.70
74 $790.65 $500.55 $2,335.95 $1,465.65 $4,653.90 $2,913.30
75 $840.70 $535.65 $2,486.10 $1,570.95 $4,954.20 $3,123.90
76 $887.35 $579.75 $2,626.05 $1,703.25 $5,234.10 $3,388.50
77 $936.35 $627.40 $2,773.05 $1,846.20 $5,528.10 $3,674.40
78 $987.55 $678.15 $2,926.65 $1,998.45 $5,835.30 $3,978.90
79 $1,040.55 $731.45 $3,085.65 $2,158.35 $6,153.30 $4,298.70
80 $1,095.05 $787.05 $3,249.15 $2,325.15 $6,480.30 $4,632.30
81 $1,126.35 $809.30 $3,343.05 $2,391.90 $6,668.10 $4,765.80
82 $1,157.65 $831.55 $3,436.95 $2,458.65 $6,855.90 $4,899.30
83 $1,188.95 $853.75 $3,530.85 $2,525.25 $7,043.70 $5,032.50
84 $1,220.30 $875.95 $3,624.90 $2,591.85 $7,231.80 $5,165.70
85 $1,251.60 $898.20 $3,718.80 $2,658.60 $7,419.60 $5,299.20

*Premiums may differ slightly due to rounding. Rates include $18.00 policy fee. Ages 50-85, age last birthday.
Death Benefit issue minimums and maximums may vary depending on state. Death Benefits:
Minimum: $2,500
Maximum: $30,000
Minimum Annual Premium: $100

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 Basic Life Graded Benefit
Policy Form ICC17-L-29K (Plan 29K) Cash Values & Annual Premium Rates

Cash Values Per $1,000 of Death Benefit Annual Premium Rates

Male Female Per $1,000*

Issue Age 10 Year 20 Year 10 Year 20 Year Issue Age Male Female
50 142 347 130 323 50 62.91 47.33
51 148 360 136 335 51 65.67 49.22
52 155 373 142 347 52 68.46 51.13
53 162 387 149 360 53 71.45 53.07
54 169 400 155 373 54 74.69 55.11
55 176 414 162 386 55 78.31 57.29
56 183 428 169 400 56 81.67 59.61
57 191 442 176 414 57 85.31 62.09
58 199 456 184 429 58 87.49 64.33
59 208 470 192 443 59 89.64 66.55
60 217 485 200 458 60 91.65 68.74
61 226 500 208 473 61 93.50 70.19
62 235 515 216 488 62 95.18 71.57
63 245 530 225 503 63 98.56 73.07
64 255 545 235 518 64 101.99 74.64
65 266 561 245 533 65 105.48 76.29
66 278 576 255 547 66 111.31 79.70
67 290 589 267 562 67 117.50 83.52
68 302 602 279 575 68 124.11 86.47
69 314 613 292 589 69 131.18 89.91
70 327 623 306 601 70 138.75 93.87
71 340 631 319 612 71 147.44 97.47
72 354 637 333 623 72 156.79 101.58
73 368 642 347 633 73 166.81 107.56
74 382 646 361 642 74 177.57 114.13
75 395 650 374 652 75 189.07 121.28
76 408 654 387 661 76 199.79 130.36
77 420 658 398 669 77 211.06 140.05
78 429 661 409 675 78 222.82 151.70
79 437 663 419 681 79 235.00 163.97
80 442 663 428 684 80 247.53 176.74
81 445 662 436 687 81 260.18 186.03
82 446 659 444 687 82 273.00 195.46
83 444 655 451 687 83 285.99 205.02
84 441 650 457 685 84 299.15 214.68
85 439 644 465 683 85 312.44 224.48

Ages 50–85, age last birthday.

Death Benefits:
Minimum: $2,500
Maximum: $30,000
Minimum Annual Premium: $100
*Add $18.00 annual policy fee when calculating premium.
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Basic Life Graded Benefit
Policy Form ICC17-L-29K (Plan 29K) Sample Annual Premiums*

Death Benefit Amount

$2,500 $5,000 $15,000 $30,000
Issue Age Male Female Male Female Male Female Male Female
50 $175.28 $136.33 $332.55 $254.65 $961.65 $727.95 $1,905.30 $1,437.90
51 $182.18 $141.05 $346.35 $264.10 $1,003.05 $756.30 $1,988.10 $1,494.60
52 $189.15 $145.83 $360.30 $273.65 $1,044.90 $784.95 $2,071.80 $1,551.90
53 $196.63 $150.68 $375.25 $283.35 $1,089.75 $814.05 $2,161.50 $1,610.10
54 $204.73 $155.78 $391.45 $293.55 $1,138.35 $844.65 $2,258.70 $1,671.30
55 $213.78 $161.23 $409.55 $304.45 $1,192.65 $877.35 $2,367.30 $1,736.70
56 $222.18 $167.03 $426.35 $316.05 $1,243.05 $912.15 $2,468.10 $1,806.30
57 $231.28 $173.23 $444.55 $328.45 $1,297.65 $949.35 $2,577.30 $1,880.70
58 $236.73 $178.83 $455.45 $339.65 $1,330.35 $982.95 $2,642.70 $1,947.90
59 $242.10 $184.38 $466.20 $350.75 $1,362.60 $1,016.25 $2,707.20 $2,014.50
60 $247.13 $189.85 $476.25 $361.70 $1,392.75 $1,049.10 $2,767.50 $2,080.20
61 $251.75 $193.48 $485.50 $368.95 $1,420.50 $1,070.85 $2,823.00 $2,123.70
62 $255.95 $196.93 $493.90 $375.85 $1,445.70 $1,091.55 $2,873.40 $2,165.10
63 $264.40 $200.68 $510.80 $383.35 $1,496.40 $1,114.05 $2,974.80 $2,210.10
64 $272.98 $204.60 $527.95 $391.20 $1,547.85 $1,137.60 $3,077.70 $2,257.20
65 $281.70 $208.73 $545.40 $399.45 $1,600.20 $1,162.35 $3,182.40 $2,306.70
66 $296.28 $217.25 $574.55 $416.50 $1,687.65 $1,213.50 $3,357.30 $2,409.00
67 $311.75 $226.80 $605.50 $435.60 $1,780.50 $1,270.80 $3,543.00 $2,523.60
68 $328.28 $234.18 $638.55 $450.35 $1,879.65 $1,315.05 $3,741.30 $2,612.10
69 $345.95 $242.78 $673.90 $467.55 $1,985.70 $1,366.65 $3,953.40 $2,715.30
70 $364.88 $252.68 $711.75 $487.35 $2,099.25 $1,426.05 $4,180.50 $2,834.10
71 $386.60 $261.68 $755.20 $505.35 $2,229.60 $1,480.05 $4,441.20 $2,942.10
72 $409.98 $271.95 $801.95 $525.90 $2,369.85 $1,541.70 $4,721.70 $3,065.40
73 $435.03 $286.90 $852.05 $555.80 $2,520.15 $1,631.40 $5,022.30 $3,244.80
74 $461.93 $303.33 $905.85 $588.65 $2,681.55 $1,729.95 $5,345.10 $3,441.90
75 $490.68 $321.20 $963.35 $624.40 $2,854.05 $1,837.20 $5,690.10 $3,656.40
76 $517.48 $343.90 $1,016.95 $669.80 $3,014.85 $1,973.40 $6,011.70 $3,928.80
77 $545.65 $368.13 $1,073.30 $718.25 $3,183.90 $2,118.75 $6,349.80 $4,219.50
78 $575.05 $397.25 $1,132.10 $776.50 $3,360.30 $2,293.50 $6,702.60 $4,569.00
79 $605.50 $427.93 $1,193.00 $837.85 $3,543.00 $2,477.55 $7,068.00 $4,937.10
80 $636.83 $459.85 $1,255.65 $901.70 $3,730.95 $2,669.10 $7,443.90 $5,320.20
81 $668.45 $483.08 $1,318.90 $948.15 $3,920.70 $2,808.45 $7,823.40 $5,598.90
82 $700.50 $506.65 $1,383.00 $995.30 $4,113.00 $2,949.90 $8,208.00 $5,881.80
83 $732.98 $530.55 $1,447.95 $1,043.10 $4,307.85 $3,093.30 $8,597.70 $6,168.60
84 $765.88 $554.70 $1,513.75 $1,091.40 $4,505.25 $3,238.20 $8,992.50 $6,458.40
85 $799.10 $579.20 $1,580.20 $1,140.40 $4,704.60 $3,385.20 $9,391.20 $6,752.40

*Premiums may differ slightly due to rounding. Rates include $18.00 policy fee. Ages 50–85, age last birthday.
Death Benefit issue minimums and maximums may vary depending on state. Death Benefits:
Minimum: $2,500
Maximum: $30,000
Minimum Annual Premium: $100
*Add $18.00 annual policy fee
when calculating premium. 7
Limitations and Exclusions: If you commit suicide, while sane or insane, within two years after the Date of Issue of this policy or the effective date of
any reinstatement, we will not pay a Death Benefit. We will terminate this policy and refund the premiums paid, less any indebtedness.

Basic Life (13Z): We will not pay the Accidental Death Benefit if death results from or was contributed by intentional self-inflicted injury, or suicide,
while sane or insane; any act of war; active participation in a riot or insurrection; flight in an aircraft if: (1) are a pilot or crew member of such
aircraft; (2) are giving or receiving any kind of training or instruction; or (3) have any duties aboard such aircraft in flight or it was flown for purpose
of descent from such aircraft in flight; voluntarily taking any kind of poison, inhaling any kind of gas or fumes; or being under the influence of any
drugs, unless prescribed by a physician. The Accidental Death Benefit period begins on the date of issue and ends on the day immediately prior to
the later of: the fifth policy anniversary date; or the policy anniversary falling on, or next following the eightieth (80th) birthday of the insured.

Basic Life Graded Benefit (29K): We will not pay the Temporary Accidental Death Benefit if death results from or is contributed by: intentional
self-inflicted injury, or suicide, while sane or insane; bodily or mental infirmity; any act of war not including terrorism; active participation in a riot,
insurrection or terrorist activity; riding in or descending from any kind of aircraft while: (1) engaged in an activity which involves leaving the aircraft
while it is in flight or (2) as a pilot, officer, crew member or participation in training; attempt or commission of assault or felony; being intoxicated;
or being under the influence of any drugs, unless prescribed by a physician. The Temporary Accidental Death Benefit period begins on the date of
issue and ends on the day immediately prior to the later of: the fifth policy anniversary date; or the policy anniversary falling on, or next following
the eightieth (80th) birthday of the insured.

Insurers and their representatives are not permitted by law to offer legal or tax advice. The general and educational information here supports the
sales, marketing or service of insurance policies. Based upon individuals’ particular circumstances and objectives, they should seek specific advice
from their own qualified and duly-licensed independent legal or tax advisers.

Bankers Life is the marketing brand of Bankers Life and Casualty Company, select policies sold by Colonial Penn Life Insurance Company and select
policies sold in New York by Bankers Conseco Life Insurance Company (BCLIC). BCLIC is authorized to sell insurance in New York. Administrative
office: Chicago, Illinois.

Policy form: ICC16-L-100(17)(Series)(Plan13Z)

Policy form: ICC17-L-29K(Series)(Plan29K)

Underwritten by Bankers Life and Casualty Company

Chicago, IL

BankersLife.com
© 2017 Bankers Life
(08/17) 179297
14850C-FL