Victorson Associates Inc

PRESIDENTIAL LIFE

A M Best B+ S & P BB+

Graded Benefit Life

Up to $50,000 in all states where licensed.

Issue ages: Age Nearest Birthday	NY Male 50-75 Female 50-75 NJ Male 65-78 Female 65-80 MO 40-75 All Other States 40-80 Not approved in AR, CA, KS, MN, NH, AND WA
Issue Ages 40 - 64	Benefits payable during the first 3 policy years, (2 years in WV) except when death results from accidental causes, limited to premiums paid plus 5% compounded annually.
Issue Ages 65 and up	Benefits payable during the first 2 policy years, except when death results from accidental causes, are limited to premiums paid plus 5% compounded annually.
Accidental Death	If death during the applicable 2 or 3 year limited benefit period results from accidental causes, the death benefit will be premiums paid plus 5% compounded annually plus the policy face amount.
Policy Guidelines:

1.	Application must be signed in the state in which the insured resides.
2.	Application must be signed by personal signature. Power of Attorney not acceptable.
3.	A patient or resident in a health care or nursing facility is not eligible for coverage.
4.	Funeral homes or burial societies may not be a party to the application, nor may they be named as a beneficiary.
5.	Premiums are calculated Age Nearest Birthday and must be pre-paid in full on the mode selected on the application.
6.	All applications must be submitted pre-paid in full on the mode selected.
7.	If premiums are to be paid on Monthly Check-o-matic, two months premium must accompany the application.
8.	The death of the insured during the first six months results in a 100% commission charge back. The death of the insured during the next six months results in a 50% commission chargeback.

GRADED BENEFIT POLICY Per $1,000 - Ultimate Amount
Age Nearest Birthday		Cash Values Per $1,000 Ultimate Amount
		Male			Female
Male and Female	Premium	10 Yr	20 Yr	Age	10 Yr	20 Yr
40	52.35	97	250	40	82	210
41	53.41	102	260	41	86	218
42	54.47	107	270	42	90	227
43	55.53	112	281	43	94	235
44	56.59	118	291	44	98	244
45	57.65	124	302	45	103	253

46	58.71	130	313	46	107	262
47	59.77	135	324	47	111	271
48	60.83	141	335	48	116	281
49	61.89	148	346	49	121	292
50	62.95	154	358	50	126	302

51	64.01	161	371	51	131	313
52	65.07	168	383	52	136	325
53	66.30	175	396	53	142	337
54	67.71		409	54	148	349
55	69.30	189	422	55	154	361

56	71.07	196	436	56	160	374
57	73.05	204	450	57	167	387
58	75.06	212	463	58	175	400
59	77.10	220	477	59	182	414
60	79.18	229	491	60	190	428

61	81.30	239	505	61	198	442
62	83.47	251	520	62	207	457
63	85.84	263	534	63	215	471
64	88.51	275	548	64	224	485
65	96.73	274	553	65	225	494

66	101.23	286	566	66	234	508
67	106.23	299	579	67	245	523
68	110.82	312	590	68	257	538
69	117.06	324	601	69	268	553
70	124.31	337	611	70	281	567

71	131.12	349	621	71	293	582
72	138.63	361	631	72	306	601
73	147.08	373	642	73	319	623
74	155.90	385	654	74	331	647
75	165.90	396	670	75	344	674

76	174.80	407	691	76	357	706
77	185.98	418	724	77	370	745
78	197.16	428	774	78	383	798
79	210.06	437	858	79	396	878
80	222.10	446	1000	80	408	1000
* Add $35.00 Policy Fee For Modes other than Annual: SA: .52 Q: .265 Monthly Check-O-Matic: .09

For complete details please request a Graded Benefit Life Brochure.

Download Applications
Florida	Georgia	Maine
Michigan	New Jersey	New York
Oklahoma	South Carolina -65	South Carolina +65
Texas	All Other States	West Virginia
Pennsylvania Must follow submission and declination of regular application.
Kentucky Louisiana New Mexico Ohio
Not approved in AR, CA, KS, MN, NH, AND WA