*Excludes any premiums paid for optional riders or benefits.
Availability of, and benefits payable under, the insurance products described are subject to state availability, state variations, restrictions and eligibility requirements. If there are any discrepancies between the product description and the issued insurance policy, the issued policy shall take precedence.
The Companies reserve the right to request a medical exam or lab testing due to a proposed insured's medical history or build.
Forms: 200-364, 200-434, 200-737, 200-788 (UHL); 18-364, 18-434, 18-737, 18-788 (UFFL).