IMPORTANT: The premium scales for each graph are NOT THE SAME. It may appear from these snapshots that there is not much difference in premium costs between the different examples. Take a closer look by viewing the PDF files. The 10 Year Preferred Plus Non-Smoker graph uses a premium scale of zero to $450, whereas the 30 Year Regular Smoker graph uses a premium scale of zero to $4,000.

Male      |      Age 40      |      500,000 Face Amount      |      Annual Premium

Level Term	Preferred Plus Non-Smoker	Preferred Non-Smoker	Regular Non-Smoker	Preferred Smoker	Regular Smoker
10 Year	View as PDF	View as PDF	View as PDF	View as PDF	View as PDF
20 Year	View as PDF	View as PDF	View as PDF	View as PDF	View as PDF
30 Year	View as PDF	View as PDF	View as PDF	View as PDF	View as PDF