State Specific Information

Whole Life

 

As approved, some state insurance departments may require modifications to policy application, contract language, benefits, rates and other features. Please refer to the individual contracts specific to each state as the ultimate authority.

 

This applies to policy Form No. I L1901. This information is for agent use only. It is not for use with consumers.

 

The following chart represents some of those key differences:

 

State Specific Information for Whole Life

California

    Accelerated Death Benefit Rider currently not available; past Accelerated Benefits Rider (Form No. R I0761) is included.

    Accidental Death Benefit Rider not available.

   Critical Illness Rider’s pre-existing condition limitation applies to conditions six months prior to the issue date and for six months after the issue date.

    Disability Waiver of Premium Rider not available.

   Payor Benefit Rider not available.

Connecticut

    Critical Illness Rider will not be available.

Delaware

    Accelerated Death Benefit Rider’s eligible proceeds for acceleration does not include any coverage still subject to the policy’s contestable period or suicide provisions.

Florida

    Accelerated Death Benefit Rider’s eligible proceeds for acceleration does not include any coverage still subject to the policy’s contestable period or suicide provisions.

Georgia

    Critical Illness Rider will not be available.

Hawaii

    Critical Illness Rider will not be available.

Idaho

    Critical Illness Rider will not be available.

Illinois

    Critical Illness Rider will not be available.

Kansas

    Critical Illness Rider will not be available.

Maine

    Critical Illness Rider will not be available.

Maryland

    Critical Illness Rider will not be available.

Massachusetts

    Critical Illness Rider will not be available.

Minnesota

    Critical Illness Rider will not be available. 

Missouri

    Critical Illness Rider will not be available.

Montana

    Critical Illness Rider has state-specific rates (included in the illustration system).

Nevada

    Critical Illness Rider’s pre-existing condition limitation applies to conditions six months prior to the issue date.

New Hampshire

    Critical Illness Rider will not be available.

New Jersey

    Critical Illness Rider will not be available. 

New Mexico

    Critical Illness Rider will not be available.

New York

    Assurity Whole Life not available. 

North Dakota

    Accelerated Death Benefit Rider’s eligible proceeds for acceleration does not include any coverage still subject to the policy’s contestable period or suicide provisions.

Pennsylvania

    Critical Illness Rider will not be available. 

South Dakota

    Accelerated Death Benefit Rider’s eligible proceeds for acceleration does not include any coverage still subject to the policy’s contestable period or suicide provisions.

Tennessee

    Critical Illness Rider’s Additional Diagnosis Benefit requires that the date of diagnosis of a new critical illness be separated from the prior, different diagnosis by 30 days.

Texas

    Critical Illness Rider’s Additional Diagnosis Benefit does not require that the date of diagnosis of a new critical illness be separated from the prior, different diagnosis by any time period.

    Critical Illness Rider’s pre-existing condition limitation applies to conditions six months after the issue date for insured person’s age 65 or older at issue.

Utah

    Critical Illness Rider’s pre-existing condition limitation applies to conditions six months prior to the issue date and for six months after the issue date.

Virginia

    Critical Illness Rider will not be available.

Washington

    Critical Illness Rider will not be available.

Wyoming

    Critical Illness Rider will not be available.