Plan Types
Agility Universal Life offers the following plan types:

• Individual- insurance on one life
• Joint First-to-Die-covers two lives with the death benefit payable on the first death
• Joint last-to-Die-covers two lives with the death benefit payable on the second death.

Coverage Options

• Level Coverage - The death benefit (insurance plus Investment Account) remains constant for the life of the plan.
• Increasing Coverage - The death benefit equals the face amount plus the Investment Account.

Issue Age
This plan is offered to individuals between the ages of 0 and 80 (based on age nearest birthday). Non-smoker rates can be requested as of age 18. For joint plans, both lives must be between the ages of 18 and 80, and the equivalent Single Age (ESA) must also fall within this range.

Minimum Face Amount
The minimum face amount of coverage allowed is 25 000,00 $

Optional benefits

• Guaranteed Insurability Benefit-The Guaranteed Insurability Benefit enables the owner to obtain additional insurance on the life insured up to a certain amount, without evidence of insurability.
• Children's Insurance Rider-The CIR provides convertible term insurance on the life insured's children.
• Accidental Death Benefit-The Accidental Death Benefit is an amount payable if the life insured dies as a direct result of an accident. Death must occur prior to the policy anniversary nearst age 65.

Agility Universal Life offers preferred rates as a means of rewarding clients in excellent health with a lower cost of insurance. Each of the 5 Agility classes has specific criteria in terms of medical test results and lifestyles. Clients with the best health and lifestyle will be placed in the most favourable classes, and will pay lower insurance costs. Preferred rates are available from ages 18-70.