How is the amount of the LILOC determined?
• The size of the life insurance policy. • The projected remaining life expectancy of the insured. • The policy premium amounts payable in the future. Once we consider all the appropriate factors, the funds you may receive are generally between 35% and 75% of the policy face amount. [ return to top ] How is projected remaining life expectancy established? Independent physicians specializing in oncology review your medical records and advise Fifth Season as to your medical condition and projected remaining life expectancy. However, no physical examinations are required. All medical information is furnished by your attending physician. [ return to top ] What if my projected remaining life expectancy changes? If you encounter a more rapid disease progression, the LILOC amount may be increased. Should your medical condition unexpectedly improve or stabilize, your Fifth Season LILOC is not affected. [ return to top ] Are there fees associated with a LILOC? There are no application fees. How
