B 20604 E100 SB2009 (8-12)

Level Benefit Life Insurance with Endowment at age 100

Policy Form B 20604

Senior Security Series®

Life Insurance with quality, value-added

protection for healthy, active seniors

E-10

0

B 20604 E100 SB2009 (3-12)

Important Guarantees•  Your issued policy can never

be canceled, regardless of your age or health as long as premiums are paid on time either in advance or during the grace period.

•  Death benefits generally pass income tax free to your named beneficiary.

Living a Healthy Lifestyle Has Its Rewards…Immediate Protection•  You select the amount of coverage that fits your needs—up to $50,000.

•  Senior Security® E100 policy guarantees a level death benefit and creates an immediate estate for your spouse, children, grandchildren, or anyone you choose. There is no waiting period once your policy is issued.

Valuable Living Benefits•  Senior Security® Life Insurance provides increasing cash values for

emergencies, gifts to family members or other financial needs.

•  Two policy riders, which are automatically included in your policy give you added protection at no additional cost.

Accelerated Death Benefit RiderAt your option, you may receive up to 25% of the face amount of your policy—to be used totally at your discretion—should you be diagnosed with a terminal illness with a life expectancy of six months or less.

Waiver of Premium for Hospital or Nursing Facility Confinement Rider†

Should you require confinement in a hospital or nursing facility for six (6) consecutive months, Bankers Fidelity Life will waive the payment of each monthly premium which thereafter becomes due while you remain continuously confined. With this provision, you do not have to worry about losing your valuable life insurance while you are facing the challenge of long-term illness.

†Subject to a deduction of six months of interest accumulation and 25% of any outstanding policy loans.††Not available in KS or MD.

Many of today’s seniors enjoy the benefits of a healthy, active lifestyle. If you’re in good health, you may qualify for Senior Security® E100—a life insurance plan designed to reward healthy, active seniors with quality, value-added protection.

Senior Security® E100 provides you with immediate protection, valuable living and important guarantees beginning the first day the policy is issued. In addition, you have the peace of mind of knowing that your final expense needs are met without creating a financial hardship for your family or loved ones.

10-Day Free LookIf you apply for this policy and change your mind within 10 days after you receive your policy, we will refund your money when you return the policy.

The best life insurance policy is the one that’s in force the day you need it. Find out today if you qualify for this life insurance plan designed exclusively for healthy seniors.

Age Last

Birthday

NON-TOBACCO TOBACCOFEMALE MALE FEMALE MALE

Initial Rate Increase Initial Rate Increase Initial Rate Increase Initial Rate Increase45 16.50 .66 22.00 .88 22.00 .88 28.00 1.1246 17.00 .68 22.50 .90 22.50 .90 29.00 1.1647 17.50 .70 23.00 .92 23.00 .92 30.00 1.2048 18.00 .72 23.50 .94 23.50 .94 31.00 1.2449 18.50 .74 24.00 .96 24.00 .96 32.00 1.2850 19.00 .76 25.00 1.00 25.00 1.00 33.00 1.3251 19.50 .78 26.00 1.04 26.00 1.04 34.00 1.3652 20.00 .80 28.00 1.12 27.00 1.08 35.50 1.4253 21.00 .84 30.00 1.20 28.00 1.12 37.00 1.4854 22.00 .88 32.00 1.28 29.00 1.16 38.50 1.5455 23.00 .92 34.00 1.36 30.00 1.20 40.00 1.6056 24.50 .98 35.50 1.42 32.00 1.28 42.00 1.6857 26.00 1.04 37.50 1.50 34.00 1.36 44.00 1.7658 28.00 1.12 39.00 1.56 36.00 1.44 46.00 1.8459 30.00 1.20 40.00 1.60 38.00 1.52 48.00 1.9260 32.00 1.28 42.00 1.68 40.00 1.60 51.00 2.0461 33.00 1.32 44.50 1.78 42.00 1.68 54.00 2.1662 34.50 1.38 47.00 1.88 44.00 1.76 57.00 2.2863 36.00 1.44 49.50 1.98 46.00 1.84 60.00 2.4064 37.50 1.50 52.00 2.08 48.00 1.92 64.00 2.5665 40.00 1.60 55.00 2.20 50.00 2.00 69.00 2.7666 43.00 1.72 59.00 2.36 53.00 2.12 74.00 2.9667 46.00 1.84 63.00 2.52 56.00 2.24 79.00 3.1668 49.00 1.96 67.00 2.68 59.00 2.36 84.00 3.3669 52.00 2.08 72.00 2.88 63.00 2.52 89.00 3.5670 55.00 2.20 77.00 3.08 67.00 2.68 95.00 3.8071 60.00 2.40 83.00 3.32 72.00 2.88 100.00 4.0072 65.00 2.60 88.50 3.54 77.00 3.08 106.00 4.2473 70.00 2.80 94.00 3.76 82.00 3.28 112.00 4.4874 75.00 3.00 99.50 3.98 88.00 3.52 119.00 4.7675 80.00 3.20 105.00 4.20 94.00 3.76 127.00 5.0876 87.00 3.48 114.00 4.56 100.00 4.00 136.00 5.4477 94.00 3.76 123.00 4.92 108.00 4.32 145.00 5.8078 101.00 4.04 132.00 5.28 117.00 4.68 155.00 6.2079 108.00 4.32 141.00 5.64 127.00 5.08 166.00 6.6480 115.00 4.60 150.00 6.00 138.00 5.52 177.00 7.0881 126.00 5.04 163.00 6.52 150.00 6.00 190.00 7.6082 137.00 5.48 176.00 7.04 162.00 6.48 205.00 8.2083 148.00 5.92 189.00 7.56 175.00 7.00 217.00 8.6884 159.00 6.36 202.00 8.08 190.00 7.60 237.00 9.4885 170.00 6.80 215.00 8.60 207.00 8.28 254.00 10.16

B 20604 E100 SB2009 (3-12)

Underwriting Guidelines:The Senior Security E100 will follow the same Underwriting Guidelines as the Preferred Senior Security Whole life product.

Refer to the Field Agent’s Underwriting Guide (B 0157 PRF UWG) for complete information, including the Height and Weight Table.

Add Policy Fee to Modal Premium: Annual = $50.00; Semi-Annual = $26.00; Quarterly = 13.50; Monthly = $4.36.

*Includes Accelerated Death Benefit† (B 0109 TI ADB 25) and Waiver of Premium† (B 0108 WP NHC) and riders.

†Waiver of Premium rider not available in KS or MD.

Increasing Premiums:Renewal premiums increase every four years by the amount shown in the rate chart until the policy matures.

Example: Policy Issued: 01-01-2006 $10,000 Face Amount Male Age 50, Non-Tobacco Initial Annual Premium: $300.00 (Includes annual policy fee)

4-Year Increase Premium Amount: $10.00

Maximum Issue Amounts:

Age 45–85—$50,000 Max

Senior Security® E100 Annual Premium Rates*—Per $1,000 Benefit

Sample Initial Premium Computation ($10,000 Face Amount; Male—Age 50; Non-Tobacco)

For premium modes other than annual, multiply the Total Annual Premium by the modal factor.

Modal Factors:Semi-Annual: 0.52 Monthly Bank Draft: .087Quarterly: 0.27 Monthly Credit Card: .087

Monthly Direct is not available.

Annual Rate Per $1,000 Unit ... $ ________________ × Number of Units = Annual Premium ..................... $ ________________ × Modal Factor = Modal Premium ....................... $ ________________ + Modal Policy Fee ...................... $ ________________ = Total Modal Premium .............. $ ________________

25.0010

250.00.087

21.754.36

26.11

Renewal Premiums:01-01-2010: $310.0001-01-2014: $320.0001-01-2018: $330.0001-01-2022: $340.0001-01-2026: $350.00

B 20604 E100 SB2009 (8-13)

For more than half a century, Bankers Fidelity

Life has provided tens-of-thousands of American

consumers with valuable, customer-oriented

insurance products. Our commitment to fair and

fast payment of claims has earned us a reputation

for quality service to our policyowners and

their families.

You can rely on our reputation as a Company

that delivers on its promises to policyowners.

Our record of bringing innovative products and

value-added services to market has established

Bankers Fidelity Life as a proven leader in the life

and health insurance industry.

THE STRENGTH OF EXPERIENCEwww.bankersfidelitylife.com