Cornerstone Whole Life
Cornerstone is a whole life policy.  The face amount and premiums remains constant through the life of the policy based on the customer's issue age.  Cornerstone will accrue guaranteed cash value.  The policy may also pay non-guaranteed excess credits, which are used to purchase paid-up additions.  These paid-up additions will increase the face amount of the policy as well as accrue their own cash value and excess credits.  Nicotine and non-nicotine rates are available.  The benefit amount available is from $15,000 to $1million.  The age limit is 15 days through 80 years.  Cornerstone features a living (accelerated) benefit for all policies with face amounts of $50,000 or more.  The accelerated benefit would pay the owner 50 percent of the face amount, up to $100,000 (maximum on all PEMCO policies), if the insured person develops a terminal condition.  Living benefits are available when a licensed physician has certified the insured person's condition will result in death within 24 months.  PEMCO places no restrictions on how you use the money.  Before requesting a living benefit, however, you should check with your income tax adviser and government entitlement program administrator.

Secure Term life
Secure Term offers a series of term products for 5-,10-,15-,20-, and 30-year terms.  The five-year term is available for applicants between the ages of 18 and 75; 10-year term between the ages of 18 and 70; 15-year term between the ages of 18 and 65; 20-year term between the ages of 18 and 60; and 30-year term between the ages of 18 and 50.  Nicotine and non-nicotine rates are available.  After the initial term of the policy, Secure Term becomes an annually increasing term (AIT) policy with premiums increasing each year based on your attained age.  The benefit amount available is from $50,000 to $1 million.  Secure Term features a living (accelerated) benefit for all policies with face amounts of $50,000 or more.  The accelerated benefit would pay the owner 50 percent of the face amount, up to $100,000 (maximum on all PEMCO policies), if the insured person develops a terminal condition.  Living benefits are available when a licensed physician has certified the insured person's condition will result in death within 24 months.  PEMCO places no restrictions on how your use the money.  Before requesting a living benefit, however, your should check with your income tax adviser and government entitlement program administrator.

* All coverages are subject to the policy terms, conditions, exclusions and limitations.