Page 25 - ORIENTATION
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LIFE WITH LIVING BENEFITS

                                      DOES NOT COST ANY MORE








                                           Example 40 Male 200k 20 Year Term



                                        Company                                          Premium

                                    John Hancock                                            $27.20


                                     New York Life                                          $25.77


                                       Nationwide                                           $26.43

                                              AIG                                           $25.45


                                     Transamerica                                           $24.08

                                          Phoenix                                           $27.03






                           Living Benefits are Included at NO ADDITIONAL COST!
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