Life Insurance Policy Whole
Life
-
[Policy Policy
Number]
Number
E L P M A [Amount
Amount
of
of
Insurance]
Insurance
[Insured]
Insured
Insurance
Payable
at
Death
of
Insured
[Age]
Age
Premiums
Payable
During
Lifetime
of
Insured
[Premium
Premium
Class]
Class
NONPARTICIPATING
[Date
Date
of
of
[Policy
ReliaStar Life Insurance Company A
Stock
to
Life
in
Insurance
pay
Beneficiary
the
Insured
the
upon
and
accordance
receipt
to
Within
Owner
30
days
may
mailing
it
Company
to
TO
the
will
the
of
this
due
the
terms
[Owner]
Owner
(the
proof
other
of
Company)
Policy
of
rights
this
of
benefits
Life
Insurance
this
Policy
is
first
received,
any
reason
Upon
by
delivering
cancellation,
Office:
122
the
Minneapolis,
for
Minnesota
or
the
1-800-537-5024
any
premium
paid.
President
ABCDEFGH Secretary
Insurance
Company
POLICY
Box
it
Company.
RL-WL2-POL-07
death
and
Administrative
return
Life
the
Policy.
ABCDEFG
ReliaStar
to
the
ReliaStar
EXAMINE
after
cancel
of
provide
with
RIGHT
Company
proceeds
S 30-DAY
Date]
Date
Company
ReliaStar
agrees
Policy
Issue]
Issue
Company
55440-0122
POLICY
Age
PROVISIONS
E L P M A
........................................................................................
......................................................
13
.........................................................................
......................................................
12
Beneficiary
..........................................................................
......................................................
8
Cash
..........................................................................
......................................................
7
Assignment
Value
Contestability
Contract
Grace
Home
.....................................................................
......................................................
12
...............................................................................
......................................................
12
Period
.......................................................................
Office/Adminisrative
Payment
Policy
Data
Policy
Loans
.....................................................
...............................................................
......................................................
8
................................................................
......................................................
3
.......................................................................
......................................................
7
......................................................
6
......................................................
6
Page
S Premium
..............................................................................
Reinstatement
Suicide
....................................................................
.................................................................................
Summary
Surrender
of
6
...................................
Options
Office
......................................................
Benefits
Value
RL-WL2-POL-07
.........................................................
Options
...................................................
Page
2
12
.......................................................13
......................................................
......................................................
6
11
ReliaStar
20
Life
Insurance
Washington
Minneapolis,
HOME
MN
OFFICE:
POLICY
Avenue
Company
South
55401
E L P M A
Minneapolis,
DATA
MN
55401
Policy
Amount
of
Number
Insurance
Insured
Age
Premium
Date
Class
of
Issue
Policy
Date
Owner
S
BENEFICIARY:
IN
THE
AS
DESIGNATED
APPLICATION
SUBSEQUENTLY
THIS
IS
A
LEGAL
CONTRACT
UNLESS
BETWEEN
THE
OWNER
CHANGED
THE
COMPANY.
*****************************
*
READ
*
YOUR
POLICY
CAREFULLY
*
*
*****************************
RL-WL2-POL-07
Page
3
AND
[Policy
Number]
[Amount
of
Insurance]
[Insured]
[Age]
[Premium
[Date
of
[Policy
Class]
Issue]
Date]
[Owner]
ReliaStar
Life
BENEFITS
Insurance
AND
COVERAGE
Company
PREMIUMS
AGE:
DESCRIPTION
AMOUNT
OF
INSURANCE
WHOLE
WAIVER
PREMIUM
CHILDREN'S
TERM
ACCIDENTAL
*
THE
IS
TERM
OF
THE
TO
WHOLE
BENEFIT
THE
LIFE
65
RIDER
PAYABLE
PREMIUM
FOR
BENEFIT
OF
[
]
[
]
[
]
[
]
[
]
[
]
[
]
[
]
[
]
[
]
[
]
[
]
[
]
[
]
SEE
RIDER*
RIDER
INSURANCE
RIDER
RIDER
PREMIUM
FIRST
ANNUAL
POLICY.
AGE
MODE
[UNITS]
RIDER
AMOUNT
S
TOTAL
BENEFIT
ACCELERATED
50%
ON
INSURANCE
DEATH
ACCELERATED
]
E L P M A
LIFE
OF
[
OF
PREMIUM
PREMIUM
RL-WL2-POL-07
PAYMENT
[
]
[
]
[
]
[
]
[
]
[
]
ELECTED:
DUE:
Page
4
[
]
[
]
[
]
ReliaStar
WHOLE
ALL
Insurance
Company
LIFE
AMOUNT
IF
Life
OF
INSURANCE
PREMIUMS
DUE
[
]
E L P M A
HAVE
BEEN
PAID,
THE
END
OF
GUARANTEED
POLICY
VALUES
THE
POLICY
ON
YEAR
WILL
BE
REDUCED
PROCEEDS
CASH
PAID-UP
EXTENDED
[XXXXXX]
WILL
VALUE
INSURANCE
INSURANCE
1
[
]
[
]
[
]
[
]
[
]
2
[
]
[
]
[
]
[
]
[
]
3
[
]
[
]
[
]
[
]
[
]
4
[
]
[
]
[
]
[
]
[
]
5
[
]
[
]
[
]
[
]
[
]
6
[
]
[
]
[
]
[
]
[
]
7
[
]
[
]
[
]
[
]
[
]
8
[
]
[
]
[
]
[
]
[
]
9
[
]
[
]
[
]
[
]
[
]
10
[
]
[
]
[
]
[
]
[
]
11
[
]
[
]
[
]
[
]
[
]
12
[
]
[
]
[
]
[
]
[
]
13
[
]
[
]
[
]
[
]
[
]
14
[
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
]
[
]
[
]
[
]
[
]
S
15
[
16
[
17
[
18
[
19
[
20
[
AGE
60
[
AGE
65
[
NONFORFEITURE
ANY
FACTOR
OUTSTANDING
[
POLICY
RL-WL2-POL-07
BE
]
LOAN
WILL
DECREASE
THE
AMOUNTS
Page
5
OTHERWISE
AVAILABLE.
TERM
TO
SUMMARY
This
OF
Policy
level
and
BENEFITS
provides
Cash
insurance
Values
are
coverage
with
a
fixed
death
benefit.
During
the
Insured's
life
Premiums
remain
provided.
PREMIUM
Premiums
Policy
are
Data
Premiums
are
designated
bill
and
your
The
bank
GRACE
may
in
unpaid
31
2.
elected
by
3.
under
sixty
Value
This
Policy
may
requirements
evidence
2.
payment
of
3.
payment
or
Policy
4.
Loan
be
of
of
on
the
annually,
deduction
does
a
not
Policy
Date
in
the
semi-annually,
by
the
actively
designated
premium
a
form
allowed
Owner's
take
amount
You
quarterly,
employer,
payroll
lockbox.
of
its
UPON
Value
after
Grace
and
or
at
the
interval
shown
on
the
who
deductions,
may
also
monthly.
sends
this
choose
the
Policy
to
deductions
will
deduct
be
the
to
placed
a
on
premiums
direct
from
at
of
of
the
the
Company's
each
premium
at
its
after
rules
Home
the
in
effect
at
the
time
of
the
Office.
first
payment.
This
Policy
will
surrendered.
Period
terminate
will
this
result
in
Policy
be
applied
date
of
under
default;
Option
if
the
a
default.
except
Surrender
The
as
date
provided
of
default
under
is
the
Surrender
date
on
Value
which
Options
Value
Option
or
Owner
has
any
time
the
any
to
within
the
date
of
Policy
five
years
after
made
no
other
election.
default
unless
it
was
surrendered
for
cash.
default;
Loan
and
loan
interest
to
the
date
of
reinstatement
according
and
compounded
The
Company;
interest
from
the
date
of
premiums.
RL-WL2-POL-07
to
Company
details.
from
reinstatement
subject
to
DEFAULT
Insurance
for
payment
unless
will
will
the
payments,
acceptable
for
Period
acceptable
premiums
annually
in
Default
Term
provisions;
payment
due.
insurability
all
be
end
reinstated
are:
1.
the
Options
REINSTATEMENT
of
Grace
days
Extended
Surrender
will
OPTIONS
S the
mode
Surrender
elected;
within
to
request
the
was
VALUE
previously
paid
payroll
employer
the
days
paid
any
be
remitted
written
Default.
default,
may
monthly.
premium
1.
See
be
during
not
SURRENDER
Upon
of
force
premium
upon
a
beginning
E L P M A
the
change
filing
Period
continue
the
will
account
by
advance
through
If
PERIOD
Grace
Any
payable
lockbox.
Owner
in
Premiums
premiums
change,
A
payable
Page.
Page
6
default
at
a
rate
of
6%
a
year
on
all
unpaid
to
the
GUARANTEED
This
Policy
Proceeds
and
Surrender
Loan
or
The
use
the
of
Cash
premium
Value
due
3.
any
existing
4.
any
loan
due
in
AND
Owner
assigned
more
to
A
than
pay
31
the
Loan
each
The
of
ON
loan
Policy
the
if
the
Interest
If
the
pay
the
of
will
end
of
certain
shown,
The
and
benefit
of
policy
the
the
years
Cash
Cash
is
Value
Value
shown
of
this
may
be
in
the
Policy
Table
if
obtained
it
is
by
of
under
a
Policy
plus
be:
the
earlier;
Cash
Value
of
any
attached
Rider
as
of
the
next
anniversary
or
the
next
LESS:
anniversary.
Term
will
be
Insurance
is
A
the
the
paid
added
has
to
no
the
loan
Policy
Loan
and
will
be
subject
to
loan
interest.
value.
Automatic
Company
this
If
in
or
written
the
by
application
the
time
during
has
Such
If
the
the
been
loan
form
loan
not
equals
to
your
when
not
be
satisfactory
Company
Insured's
mailed
may
a
the
may
loan
outstanding
a
in
The
for
Company
refund.
Loan
request
needed.
is
be
the
Company.
at
the
making
Home
a
This
Policy
Office.
Policy
Loan
Policy
for
Loans
not
used
postponed.
If
not
exceeds
known
Surrender
repaid
to
postpone
received
lifetime.
or
last
a
may
or
repaid,
the
Cash
address
Values
reinstated
the
and
to
Option
after
loan
Value,
will
this
the
last
becomes
that
be
deducted
Policy
except
will
known
address
operative
as
as
stated
a
terminate
will
in
of
be
the
Policy.
is
not
per
end
has
while
Loan
no
and
interest
cannot
be
interest
RL-WL2-POL-07
is
in
advance
paid,
it
will
to
be
the
end
added
of
to
the
the
Policy
year
principal
and
and
is
bear
again
due
interest
at
in
the
advance
same
on
rate.
year.
PROVISION
the
Loan
Office
Loan
Home
deducted
advance
LOAN
Loan
and
our
any
interest
before
Premium
at
at
by
security
LOANS
Policy
due
date
Policy
Premium
Policy
only
issued
interest
7.4%
Home
premium
the
Value.
of
PREMIUM
not
Loan
the
termination
Cash
made,
rate
is
repaid
POLICY
resulting
at
request.
the
not
Option.
premium
settlement
record.
the
premium
the
The
be
any
Automatic
at
at
times
and
Policy
policies
if:
received
is
next
from
section
is
premium
Policy
2.
a
anniversary.
AUTOMATIC
1.
on
notice
from
interest
Any
the
S a
Policy
Extended
obtain
may
Reinstatement
INTEREST
on
Value
at
premium;
Company
from
after
deducted
Value
deducted
months
assignee
When
as
furnished
Available
Loan;
to
Cash
Value
REPAYMENT
six
sum
days
any
unpaid
premiums
Policy
single
be
The
Cash
E L P M A
this
Policy
may
to
The
whichever
unpaid
force
will
Value
interest
and
Policy
The
and
Value.
Surrender
of
date,
due
LOANS
a
Loan
any
A
Option,
of
2.
Any
Cash
Values.
LOANS
amount
1.
VALUE
a
Policy
Value
by
POLICY
CASH
provides
paid
for
a
of
its
been
Grace
elected
premium
loan
rate
by
is
interest
will
be
in
to
Automatic
may
in
the
be
will
the
be
paid
application
default;
on
Premium
by
charging
for
this
the
Policy
premium
or
is
as
elected
a
in
loan
against
writing
the
and
and
next
charged
proportionate
Provision
Period
anniversary
the
Automatic
Loan,
the
do
not
exceed
Premium
Company
will
the
Loan
Loan
from
apply
the
Value.
the
premium
available
loan
due
date.
value
to
period.
revoked
at
any
Office.
Page
7
time
by
written
request
from
the
Owner
received
by
OWNER
AND
BENEFICIARY
The
Owner
The
Beneficiary
be
named
of
in
this
the
Policy
is
is
named
the
to
application
Insured
receive
and
unless
the
will
otherwise
proceeds
receive
the
to
be
stated
paid
proceeds
at
in
the
the
upon
application
Insured's
the
death
or
death.
of
the
as
changed
One
Insured
or
later
more
unless
by
request.
Beneficiaries
changed
by
may
the
Owner.
During
the
choose
to
lifetime
name
a
of
E L P M A
the
Beneficiary.
Any
the
change
Insured
before
such
Unless
1.
2.
the
If
interest
no
an
Owner
Proceeds
1.
2.
3.
is
any
than
the
total
Amount
of
of
any
insurance
any
premium
5.
Policy
Any
the
the
the
Any
unpaid
the
has
on
time
an
least
$
in
will
option
may
the
are
the
be
may
without
Home
be
Office
subject
to
changed
the
any
by
the
Beneficiary's
as
of
the
date
payment
Owner.
The
consent.
the
made
or
This
request
action
is
Owner
is
an
signed
taken
by
may
also
Irrevocable
even
the
though
Company
designation:
before
the
while
the
the
Insured,
proceeds
the
will
Insured
is
be
paid
living,
to
the
the
Page
provided
period
pass
in
all
to
one
any
sum
rights
of
other
to
the
the
Beneficiaries
Owner,
Owner
if
shall
according
living;
pass
to
otherwise,
to
the
to
Owner's
of
of
the
then
by
Insured
in
and
is
the
sum
of:
force;
time
Rider;
beyond
the
Policy
month
in
which
the
Insured
dies;
and
first
premium,
Insured
to.
the
a
All
will
Owner
change
payable,
a
death
Data
Insured
proceeds
to
the
which
the
or
or
any
part
not
be
may
may
this
applies
to
a
of
any
termination
sum
subject
elect
manner
Beneficiary
other
of
to
period
prior
to
and
including
the
may
any
be
of
claims
Payment
the
Policy
applied
of
Option
a
to
will
any
be
Beneficiary's
and
may
paid
Payment
in
one
sum
Option.
creditors.
change
any
election
if
the
payment.
elect
or
change
any
Payment
Option
if
Proceeds
are
available
sum.
be
a
in
the
writing
supplemental
than
sum.
the
$
a
form
or
contract
2,500
Under
time
in
Beneficiary
any
between
will
be
acceptable
Owner
for
for
option,
payments
to
to
each
Page
In
payment
six
A
elections
under
payee.
months,
8
Company.
new
applied
each
three
the
make
proceeds
applied
payment
must
25.
RL-WL2-POL-07
will
dies.
of
Insured,
at
Policy
interest;
agreed
law,
less
one
the
applies
death
and
must
issue
payable
except
options;
increase
dies
of
loan
right
one
where
in
at
will
dies
Insured,
Insured
by
the
change
proceeds
Company
of
chosen
Company
payee's
at
or
and
the
permitted
Proceeds
all
which
the
at
who
on
life
premium,
reserved
Beneficiary
changed
recorded
change
benefits
the
provided
lifetime
election
accept
Loan
payable
or
be
Beneficiary
the
Insurance
paid
which
Beneficiary
withdraws
The
in
otherwise
extent
Owner
to
any
amount
During
At
Policy
month
unless
To
any
the
Insured
the
LESS:
4.
is
not
provided.
S the
in
survives
otherwise
the
it
Such
Beneficiary
OPTIONS
is
Owner
can
recorded.
or
other
when
provided
of
the
who
living.
estate.
unless
PAYMENT
effect
be
Beneficiary
Owner's
estate
not
request
interests;
If
take
otherwise
The
their
will
may
Insured,
Beneficiary
any
this
must
change
of
any
option.
case,
be
months
at
or
the
Beneficiary
The
$
Company
25.
year
to
If
or
Owner
options.
Company
least
one
of
payment
may
need
pay
needed,
make
not
a
the
each
payment
PAYMENT
The
proceeds
before
to
or
any
the
are
interest.
Option
to
as
1:
The
2:
intervals
months,
12
The
or
a
proceeds
year
year.
is
at
and
years.
3:
The
The
or
Option
of
3
the
with
2%
pay
agrees
of
pay
and
the
and
issues
at
each
be
S
of
15
20
25
monthly
the
not
a
months),
The
no
to
matter
Company
payee's
age
provide
Option
any
5:
are
for
be
pay
the
If
died.
applied.
these
for
the
to
whom
3
or
in
the
Company
benefits
4,
the
one
Company
2,
are
will
unless
also
may
payable.
Company
sum,
will
use
pay
one
any
or
pay
If
the
or
all
primary
of
the
method
of
the
payee
remaining
more
other
part
the
dies
payments
following
of
and
to
which
The
are
5,
the
pay
it
Company
the
will
proceeds.
pay
the
payment
that
Under
first
Option
6,
the
applies.
withdrawal
subject
to
rights,
the
the
length
Company's
of
time
approval.
the
Interest
annually.
The
in
equal
chosen
other
installments
interval
must
proceeds.
the
to
option
installment
to
4
interest.
of
interest
the
3,
contract
interval
earn
paid.
of
equal
three
Option
used
long
the
time.
make
be
The
may
such
last
for
be
that
a
the
installment
installments.
Interest
the
chosen
month,
total
will
is
amount
three
installments
be
for
the
guaranteed
at
months,
equal
six
payable
in
any
remaining
to
be
at
least
2%
per
3
in
the
as
is
will
computed
Payments
Per
at
or
equal
a
provide
the
assuming
$
intervals
year.
Use
the
for
payment
2%
per
the
Option
chosen
3
Table
amounts
year
for
a
compounded
number
to
of
determine
number
of
annually.
1,000
17.49
9.18
$
6.42
$
5.04
$
4.22
an
primary
annuity
payee,
primary
least
primary
months,
Proceeds
$
the
at
installments
six
Company
table
provide
the
for
the
The
are
as
payee
as
with
the
payee
long
dies
two-thirds
will
will
installments
Company
for
used
monthly
Company
to
equal
months,
lives
the
before
60,
first
120,
with
period
the
180
person
a
to
or
number
the
certain
240
whom
of
Insured
period
months
certain.
benefits
months
chose
ends,
are
certain.
(either
the
This
payable,
60,
means
in
Certain
120,
remaining
that
equal
means
180,
or
payments
that
240
are
payee.
amounts
Company
of
paying
as
when
proceeds
The
The
are
compute
that
receives
2,
Options
change
each
requested,
The
payments
payment
will
other
have
will
of
with
all
proceeds
month,
$
contingent
at
The
Company
the
makes
the
The
to
whom
supplemental
future
amount
Years
continue
installments
Company
payable
proceeds
will
to
proceeds
it.
compounded
chosen
one
shown.
5
The
the
end
proceeds
total
installment.
not
10
4:
one
Options
to
Company
year
the
the
any
interest
might
will
may
Table
Company
is
person
Under
Monthly
the
payee
under
will
the
and
per
amount
Number
Option
A
first
Company.
Company
left
will
Company
intervals
the
annually.
interval
amount
years
is
payments
installment
are
7%
interest,
payee.
E L P M A the
least
The
least
a
Company
and
proceeds
compounded
Option
the
the
all
proceeds,
Company
until
months
at
to
payee
Company
the
first
the
be
The
date
the
hold
to
made
and
proceeds
will
proceeds
primary
Insured
the
pay
guaranteed
Option
has
payee.
the
of
will
Company
the
The
requested
acceptable
Company
(CONTINUED)
pay
Company
installment
is
will
contingent
options
is
OPTIONS
Company
this
to
the
provide
a
the
joint
jointly
amount
compute
require
using
require
calendar
written
year
proof
of
in
which
the
the
payee's
proceeds
age.
If
are
applied
requested,
the
and
the
Company
will
section.
payments
of
will
the
written
of
to
and
the
the
joint
payment
proof
of
two-thirds
two
payees
monthly
amounts
the
to
as
as
payment
using
payees'
survivor
long
the
ages.
If
life
they
for
income
both
life.
calendar
for
live.
Payments
year
requested,
in
the
two
payees.
When
stop
which
one
when
the
Company
The
payee
both
proceeds
will
provide
dies,
payees
are
any
of
amounts.
Option
6:
Company
The
immediate
make
annuity
installments
option
proceeds
would
at
would
the
be
at
are
if
the
the
end
more
used
provide
had
Company's
of
the
to
to
the
an
used
rates
interval
favorable
RL-WL2-POL-07
to
payee
on
Each
proceeds
the
which
payee
annuity.
the
date
they
when
the
apply.
to
annuity
buy
a
proceeds
The
proceeds
Page
9
installment
similar,
are
applied.
Company
are
applied.
is
103%
of
non-participating,
will
not
The
the
Company
apply
this
payment
single
will
option
that
premium
pay
if
a
these
similar
the
PAYMENT
The
OPTIONS
Company
Company
will
declares
restrictions
on
(CONTINUED)
base
on
the
interest
funds
withdrawal,
that
and
rate
the
for
proceeds
Company
other
factors.
applied
considers
The
to
interest
under
be
in
rate
Options
the
will
same
never
1
and
2
on
the
classification
be
less
than
interest
based
2%
per
on
year
rate
the
the
option,
compounded
annually.
In
determining
compounded
interest
the
the
option,
The
Options
deduct
The
Company
4,
all
will
5
and
6
Policy
Company
E L P M A
on
all
the
only
pay
paid
for
declare
to
a
natural
unpaid
interest
date
the
Company
pays
2.
The
date
the
Company
issues
on
Payment
If
any
these
may
on
funds
pay
Death
payments
will
interest
of
are
2.
benefit
Continue
and
in
If
agreed
no
one
such
to
in
to
in
higher
and
the
Policy
proof
4,
the
periods
Company
under
Company
assumes
Option
considers
4,
to
the
be
in
an
interest
Company
the
same
rate
will
of
the
RL-WL2-POL-07
after
Payment
payee
estate
of
is
to
for
of
a
from
that
and
the
at
our
death.
Home
The
person's
unpaid
death
Office
own
for
or
Company
right.
premiums
contract,
period
but
the
not
of
less
original
contingent
Option
named
the
per
any
classification
year
excess
based
on
the
In
due
time
an
will
Administrative
make
settling
on
or
between
this
before
the
Office
payments
Policy,
the
the
the
Settlement
Company
Insured's
Insured's
when
under
death
will
death.
and:
or
rate,
death
2%
credit
factors.
of
supplemental
credited
a
that
other
proceeds
proceeds,
payments
a
contingent
sum
this
and
3
certain
whichever
time
than
and
2%
at
is
the
per
earlier.
rate
year
of
interest
compounded
required
by
annually.
Payee
payable
S 1.
directed
be
at
and
interest,
the
a
and
person
loan
on
Options
3
funds
of
Policy
The
Company
on
proceeds
1.
Interest
under
Option
withdrawals
original
Loans,
will
be
may
pay
receives
to
Also,
restrictions
Company
Company
amounts
annually.
request;
or
original
living
payee
payee
the
or
Company
pay
a
death
will:
benefit
in
one
sum,
as
or
at
the
death
payee.
Page
10
of
the
original
payee,
pay
a
death
state
law.
The
SURRENDER
Not
later
elect
any
one
Company
The
at
the
2.
any
The
table
of
The
Owner
Value
will
2.
applied
in
Surrender
one
Extended
may
Policy
1.
the
2.
any
Amount
Policy
as
a
of
the
Paid-Up
be
of
of
Policy
the
is
in
shows
certain
for
of
its
unpaid
by
premium
filing
a
and
while
written
the
request
Insured
in
a
form
is
living,
the
acceptable
Owner
to
Riders
on
the
premium
due
date;
LESS:
the
Cash
Policy
a
Value,
Years.
year.
Values
Surrender
the
For
Value.
Paid-Up
values
for
times
The
at
Insurance,
other
not
times,
shown
insurance
is
are
then
and
the
termination
allowance
sent
on
will
be
a
of
of
for
request.
terminated
and
the
Surrender
elected
date
The
the
force
by
the
Company
Company
as
Policy
Owner.
any
a
net
received
postpone
required
Paid-Up
as
has
may
interest
Insurance.
single
both
the
payment
will
The
premium
be
paid
amount
as
of
original
for
the
not
as
of
Policy
more
specified
Paid-Up
due
date
and
than
by
a
six
state
Insurance
of
the
written
months
first
request
from
in
a
the
law.
will
be
unpaid
computed
premium
at
Insured.
and
the
OF
or
in
will
Insurance
single
loan
on
OR
Extended
Surrender
as
term
insurance
with
no
further
premiums
payable.
The
amount
of
the
Policy
Data
Page;
LESS:
interest.
Extended
PAID-UP
force
be:
premium
surrender
Surrender
otherwise
date
made
Term
as
of
Insurance
the
due
EXTENDED
Paid-Up
Term
is
Value
or
TERM
Extended
surrendered
will
not
be
continues
date
of
the
be
computed
unpaid
using
premium
at
the
the
Surrender
then
current
Value
age
of
of
Value
provided
in
Option
the
RL-WL2-POL-07
becomes
this
the
Insured.
INSURANCE
Term
Insurance
within
less
will
first
than
31
the
days
Cash
at
any
after
an
Value
time
for
the
then
anniversary,
on
that
the
current
Cash
Surrender
Value
used
effective,
all
Riders
attached
Rider.
Page
11
to
this
Policy
will
terminate
Value.
in
anniversary.
RIDERS
When
may
the
or
deferred,
this
continued
Loan
the
on
continued
Insurance
may
determining
first
available
attached
fractions
Option
payment
the
for
Company.
Value
any
Values
end
Owner;
Payment
If
the
Insurance
time
net
SURRENDER
Owner
of
the
this
the
the
and
Policy
at
effective
to
be
may
Term
length
Policy
age
Term
Extended
If
to
Surrender
current
The
be
a
of
Options
interest.
payment
S the
loan
and
Insurance
Policy
using
This
under
will
Policy
surrender
sum
date
E L P M A
this
and
and
due
Value
be:
Insurance
surrender.
Paid-Up
will
Proceeds
time
the
Office.
of
Loan
acceptable
of
This
Value
may
paid
date
after
Surrender
be:
1.
form
the
Home
Term
of
OPTIONS
days
Value
Policy
lapse
The
of
its
Cash
Extended
the
60
Surrender
1.
the
VALUE
than
unless
GENERAL
THE
CONTRACT
This
or
Policy,
other
behalf
This
the
officer
of
waivers
the
PROVISIONS
the
the
be
is
in
to
not
issued
fraudulent,
in
The
OF
Owner
all
the
Company's
2.
the
requirements
1.
assign
2.
make
3.
amend
4.
exercise
The
or
or
and
repay
a
this
S
Company
Beneficiary,
right,
or
its
assignment
Home
change
HOME
The
of
Office.
the
is
our
or
by
Administrative
NOT
All
to
void
this
the
by
for
the
waive
any
make
Secretary,
provisions
completed
or
a
on
behalf
of
application
of
anyone
corresponding
Company
and
with
any
right
Policy
any
up
or
this
the
entire
contract.
Assistant
Policy.
Secretary
Any
changes,
Only
has
the
the
President
power
on
modifications,
or
Policy
and
payment
covered
on
by
another
of
this
plan
the
premium
Policy
of
are
as
determined
representations
insurance
subject
and
to:
may
determine.
assignment,
the
Owner
may,
during
the
lifetime
of
the
Insured:
consent
to
or
require
of
enjoy
this
the
any
Policy
Company;
privilege
for
and
contained
endorsement
to
in
this
assign,
Policy.
make
a
Policy
Loan,
change
a
be
will
binding
not
be
on
the
Company
responsible
unless
Minneapolis,
for
specifically
Minnesota
unless
the
it
validity
provided
for
is
of
in
in
writing
any
the
and
received
assignment.
assignment
An
by
the
Company
assignment
does
during
for
the
at
not
form.
55401.
or
is
in
Minneapolis,
Company)
Office
or
at
AFTER
in
the
defend
are
any
TWO
to
of
our
Minnesota.
performed
regional
at
This
the
Policy
Home
states
Office,
that
such
certain
transactions
transactions
may
be
(including
all
performed
nonpayment
lifetime
of
of
the
a
are
claim,
RL-WL2-POL-07
premiums,
Insured
at
offices.
YEARS
application
against
be
representations
unless
a
copy
and
has
not
been
warranties.
endorsed
No
on
such
the
statement
Policy
or
can
attached
be
to
used
it
for
the
two
validity
years
of
from
this
the
Policy
Date
Page
will
of
12
not
Issue
be
or
contestable
after
Reinstatement,
it
has
been
whichever
is
in
force
later.
to
when
issued.
Except
by
it.
will
in
the
benefit,
designation
Office
the
made
Policy,
Policy
located
CONTESTABLE
statements
Policy
OFFICE
Administrative
payments
Policy
Company
Beneficiary
ADMINISTRATIVE
The
this
The
Office
this
Loan;
the
OFFICE
Home
or
to
Vice-President,
Policy;
modify
ASSIGNMENT
No
attached
the
and
receive
reserves
amend,
of
made
rights
this
Policy
modify
any
modify,
payment
Beneficiary
surrender
or
this
approval;
CONTROL
with
to
E L P M A
exchange
1.
Consistent
change,
statements
PLAN
may
Riders
limited
consideration
warranties.
CHANGE
any
writing.
Company.
Unless
and
Company,
Company
must
Policy
application,
of
SUICIDE
If
the
this
Insured
Policy
takes
will
be
his
or
limited
her
to
own
all
life
within
premiums
two
paid,
years
less
any
from
the
Policy
Date
Loan
of
and
Issue,
loan
the
liability
of
the
Company
under
interest.
AGE
The
age
number
of
of
the
Insured
years
MISSTATEMENTS
If
the
age
would
of
have
the
All
elections,
effective
BASIS
The
FOR
Cash
Policy
Date
and
thereafter
means
the
Age
shown
on
the
Policy
Data
Page
plus
the
E L P M A the
Policy
Date.
AGE
has
for
been
the
designations,
received
at
misstated,
correct
CHANGES,
changes,
the
Home
the
benefits
under
this
Policy
will
be
those
which
the
premiums
paid
age.
and
AND
REQUESTS
requests
Office,
unless
must
be
made
otherwise
in
a
form
provided
in
acceptable
this
to
the
Company
and
become
Policy.
COMPUTATION
Value
Value
the
since
DESIGNATIONS,
when
Cash
OF
Insured
purchased
ELECTIONS,
on
elapsed
of
have
this
been
Policy
filed
meets
with
the
or
exceeds
state
where
the
minimum
this
Policy
is
value
S RL-WL2-POL-07
Page
required
delivered.
13
by
law.
The
details
for
computing
Life Insurance Policy
E L P M A Whole
Life
-
Insurance
Premiums
Payable
Payable
During
Guaranteed
Guaranteed
Options
S
If
you
have
anyone
Policy,
any
for
and
that
contact
Death
Surrender
of
ReliaStar
change
ReliaStar
Life
or
Life
Insurance
Administrative
P.O.
Box
MN
Home
this
policy
replace
Company
Office:
122
55440-0122
MN
55401
1-800-537-5024
Page
this
Insurance
Office:
Minneapolis,
Insured
Values
Company.
Minneapolis,
RL-WL2-POL-07
of
Insured
Proceeds
concerning
you
of
Provision
Payments
questions
suggests
please
Cash
Loan
at
Lifetime
14
or
if
