Risk class changes

Illustrations have been updated to reflect the following risk class changes for issue ages 17-60:

• For single-life Whole Life, Universal Life, and Variable Universal Life products, the best available risk class is now Non-Tobacco and/or Tobacco for face amounts under $100,000 (Base + RTR + LISR).
• For Survivorship Life products, the best available risk class is now Non-Tobacco and/or Tobacco for face amounts under $200,000 (Base + LISR).

Existing requirements have not changed for issue ages over 60 or for the Long Term Care Access Rider (LTCR).

See the Compass News article for complete details including submission deadlines at these issue ages and face amounts for new business, term conversions and Guaranteed Insurability Rider (GIR) option exercises.