- 用这页的规矩Rules for using this page
- 生前福利：各家上限与规则Living benefits: limits and rules by carrier
- IUL 规格对照IUL specs side by side
- 收入型年金：怎么读「开户送 30%」Income annuities: reading "30% bonus" headlines
- 外籍人士：各家门槛Foreign nationals: each carrier's bar
- 最终费用险：给高龄或健康一般的客户Final expense: for older or less healthy clients
- 终身寿分红率：看趋势，不比高低Whole-life dividend rates: trends, not rankings
- 客户听到别家的说法时When clients repeat what others told them
一、用这页的规矩1. Rules for using this page
各公司的经纪人指南和规格表多数标注「For Agent Use Only / Not for public distribution」。国家人寿合规手册要求对比必须准确、公平、完整，不得诋毁其他公司、产品或其经纪人； 没有证券执照不能评论变额产品和 RILA。所以：一、只在内部学习和替换审核时用；二、给客户看的对比只用双方公司的官方文件，同口径、同日期； 三、规格和费率随时会变，引用前先到对方公司的当期指南核对。
Most carriers' agent guides and spec sheets say "For Agent Use Only / Not for public distribution". National Life's compliance manual requires comparisons to be accurate, fair and complete, with no disparaging of other carriers, products or agents; without a securities licence you can't comment on variable products or RILAs. So: use this only for internal study and replacement reviews; show clients only official documents from both carriers, like for like and same date; and since specs and rates change, check the other carrier's current guide before citing anything.
二、生前福利：各家上限与规则2. Living benefits: limits and rules by carrier
以下是各家的「终身可提前给付上限」（取「身故金百分比」和「金额」较低者），截至 2026 年 4 月，以各家当期条款为准。
Each carrier's lifetime acceleration limits (the lesser of the percentage of death benefit and the dollar cap), as of April 2026; confirm against each carrier's current terms.
| 公司Carrier | 慢性疾病Chronic | 重大疾病Critical | 末期疾病Terminal | 末期预期寿命Terminal life expectancy |
|---|---|---|---|---|
| Corebridge | 三项合计 100% / $2M，有保证最低给付表100% / $2M across all three, with a guaranteed-minimum payout table | 24 个月24 months | ||
| National Life | $1.5M（与阿尔茨海默、末期合并）$1.5M (shared with Alzheimer's and terminal) | 重疾 / 重伤 $1MCritical illness / injury $1M | $1.5M | 24 个月24 months |
| Transamerica | 每年 24%，合计 90% / $1.5M24% a year, 90% / $1.5M total | 90% / $1.5M（IUL、定期）；终身寿 $500K90% / $1.5M (IUL, term); WL $500K | 100% / $1.5M | 12 个月12 months |
| F&G | 首次 25%，之后最高 100% / $1M25% initially, then up to 100% / $1M | 100% / $1M | 100% / $1M | 24 个月24 months |
| North American | 24% / $480K | 定期 90% / $1M；UL 25% / $50KTerm 90% / $1M; UL 25% / $50K | 90% / $1M | 24 个月24 months |
| Nationwide | 每年申请一部分An elected portion each year | 每次 10% / $25K，最多 5 次10% / $25K per claim, up to 5 | 50% / $250K | 12 个月12 months |
| Columbus Life | 40% / $250K | 10% / $25K | 60% / $250K | 12 个月12 months |
| Lincoln | 另购附约Separate paid rider | 5% / $25K | 50% / $250K | 6 个月（加购附约 12 个月）6 months (12 with optional rider) |
| John Hancock | 75% / $1M | 10% 或 25% / $250K10% or 25% / $250K | 75% / $1M | 12 个月12 months |
各州有差异，产品之间也不同。
State and product variations apply.
比上限更重要的几条规则
Rules that matter more than the caps
折现后可能是 0
The discounted amount can be zero
Corebridge 的条款写明：如果病情没有明显改变预期寿命，即使有最低给付条款，提前给付也可能为零。折现率不高于 90 天美国国债利率与保单贷款利率的较高者。 这和国家人寿的折现逻辑一样：所有打折型生前福利都是「越接近身故付得越多」。
Corebridge's rider states that if the condition doesn't materially change life expectancy, the acceleration can be zero despite the minimum-payout clause. The discount rate is no higher than the greater of the 90-day T-bill or the policy loan rate. It's the same logic as National Life's: every discounted living benefit pays more the closer the insured is to death.
领取窗口和次数
Election windows and counts
Corebridge：每次重疾事件只给一次选择机会，收到选择表后 60 天内交回，放弃或少领就不能再补。Nationwide：重疾每次最多 10% 或 $25K，最多 5 次。 Transamerica：重疾最多再领两次。报税表也不同：Corebridge 慢性和末期发 1099-LTC，重疾发 1099-R。
Corebridge: one election per critical-illness event, returned within 60 days of receiving the form; decline or under-claim and you can't top up. Nationwide: critical illness up to 10% or $25K per claim, five claims max. Transamerica: up to two further critical-illness accelerations. Tax forms differ too: Corebridge sends 1099-LTC for chronic and terminal, 1099-R for critical illness.
付费、不打折的慢性疾病附约
Paid, undiscounted chronic riders
不少公司都有：Corebridge 的 Accelerated Access Solution（每月 2%、4% 或 IRS 每日上限）、国家人寿的 Premium Chronic Care（2% 或 4%）、John Hancock 的慢性疾病附约。 Corebridge 同时有两种时，先从 AAS 付，用完才轮到免费的那项。
Several carriers offer one: Corebridge's Accelerated Access Solution (2%, 4% or the IRS per diem monthly), National Life's Premium Chronic Care (2% or 4%), John Hancock's chronic illness rider. With both on a Corebridge policy, AAS pays first and the free rider only after it's exhausted.
LTC 附约和慢性疾病 ABR 二选一
LTC rider or chronic ABR, not both
Nationwide 的慢性疾病 ABR 在没选 LTC 附约时才自动附加，之后加 LTC 附约，ABR 就终止。Transamerica 的 FFIUL 可以在投保时加 7702B 合格的 LTC 附约（$10 万–$200 万）， 但它和很多其他附约不能同时有。LTC 附约是报销制、要合格护理服务，和 ABR 的现金给付不同。替换时要讲清楚客户会失去哪一种。
Nationwide's chronic ABR attaches only if no LTC rider is chosen; adding the LTC rider later ends the ABR. Transamerica's FFIUL can add a 7702B-qualified LTC rider at issue ($100K–$2M), but it excludes many other riders. An LTC rider reimburses qualified care; an ABR pays cash. In a replacement, be clear which one the client would lose.
看任何一家的生前福利，先分清这四件事
Four distinctions to make before comparing any carrier's living benefits
| 看什么Look at | 几种做法The variations | 为什么重要Why it matters |
|---|---|---|
| 慢性病的触发条件Chronic trigger | 慢性（chronic）· 永久慢性（permanent chronic）· 长期护理（LTC，常要求入住机构）Chronic · permanent chronic · LTC (often facility confinement) | 「永久」要求医生认定不会好转，同样的病可能赔不了"Permanent" needs a doctor to certify it won't improve, so the same illness may not qualify |
| 怎么算钱Payout basis | 打折给付（discounted）· 一比一给付（dollar-for-dollar，通常要另付费）Discounted · dollar-for-dollar (usually a paid rider) | 打折的实际到手少于用掉的保额Discounted means less arrives than the face amount used |
| 怎么给钱Payment type | 现金（cash）· 定额（indemnity）· 报销（reimbursement，要收据）Cash · indemnity · reimbursement (receipts needed) | 现金最自由；报销只能用在合格费用上Cash is the most flexible; reimbursement covers qualifying costs only |
| 末期疾病Terminal illness | 预期寿命 6、12 或 24 个月 · 可提前领的比例和上限Life expectancy of 6, 12 or 24 months · the share and cap that can be accelerated | 24 个月的定义比 12 个月更早能用A 24-month definition can be used earlier than a 12-month one |
国家人寿自己的是末期 24 个月、最高 $150 万。国家人寿的生前福利对比表里有其他公司的名字，只作内部参考，不要把它拿给客户。
National Life's own terminal benefit uses 24 months, up to $1.5M. National Life's living-benefits comparison chart names other carriers, so it's for internal reference only; don't show it to clients.
三、IUL 规格对照3. IUL specs side by side
| LLD (National Life) | QoL Value+ Protector III (Corebridge) | Financial Foundation IUL (Transamerica) | Financial Choice IUL II (Transamerica) | |
|---|---|---|---|---|
| 资料日期Source date | 2025-04 | 2024-06 | 2024 | 2024-09 |
| 投保年龄Issue ages | 0–85 | 0–85（按等级）0–85 (by class) | 0–85（佛州 0–75）0–85 (FL 0–75) | 15 天–85 岁15 days–85 |
| 最低保额Min face | $50K | $100K（50 岁以上优选 $50K）$100K ($50K at 50+ preferred) | $25K（优选 $100K）$25K ($100K preferred) | $250K |
| 保费费用Premium load | 1–10 年 8%，之后 5%8% yrs 1–10, then 5% | 目标保费内 10%，以上 18%10% to target, 18% above | 4%（保证最高 6%）4% (6% max) | 见指南See guide |
| 退保费期Surrender period | 10 年10 years | 19 年19 years | 15 年15 years | 按年龄By age |
| 不失效保证No-lapse guarantee | 10 年免费，可选到 20/30/40 年10 years free, optional 20/30/40 | 设计上可到 90 岁Designed to age 90 | 0–45 岁 20 年；46–60 岁到 65 岁；61 岁起 5 年0–45: 20 yrs; 46–60: to 65; 61+: 5 yrs | 0–60 岁 20 年或到 65 岁较短者；61 岁起 5 年0–60: lesser of 20 yrs or to 65; 61+: 5 yrs |
| 保证最低利率Guaranteed minimums | 指数 0%，固定 0.10%Index 0%, fixed 0.10% | 指数 0%，宣告账户 2%Index 0%, declared 2% | 指数 0.75%，基本账户 2%Index 0.75%, basic 2% | 指数 0.25%，基本账户 1%Index 0.25%, basic 1% |
| 贷款Loans | 四种，每年可换一次Four types, switch once a year | 标准（收 3%、记 2%）、10 年后优惠、参与型（上限 8%）Standard (3% charged, 2% credited), preferred after year 10, participating (8% cap) | 收 2.75%、记 2%；11 年起优惠贷款净 0%2.75% charged, 2% credited; preferred from year 11 net 0% | 常规贷款同左；第 5 年后可用指数贷款（上限 8%）Conventional as left; index loans after year 5 (8% cap) |
| 生前福利Living benefits | 末期、慢性、重疾、重伤、阿尔茨海默；可加 Premium Chronic CareTerminal, chronic, critical illness and injury, Alzheimer's; optional Premium Chronic Care | 慢性、重疾、末期内含（$2M）；可加 AASChronic, critical, terminal built in ($2M); optional AAS | 末期内含（12 个月）；慢性、重疾需投保时选；可加 LTC 附约Terminal built in (12 months); chronic and critical chosen at issue; optional LTC rider | 末期、慢性、重疾Terminal, chronic, critical |
| 其他特色Other features | LIBR、CMC、EnhancerLIBR, CMC, Enhancers | 第 20/25 年保费返还选项；免体检到 $2M（18–59 岁）Return-of-premium surrender options at years 20/25; no-exam to $2M (ages 18–59) | 身故金分期给付选项Income Protection Option for the death benefit | 六个指数账户，可从定期前 5 年转换Six index accounts; converts from term in first five years |
读这张表要注意两件事：一、费用结构不同，单看某一项（例如保费费用）不能判断哪个更便宜，要用同样的保费、保额和利率跑演示比；二、封顶和参与率是当前值，本页不列。 详细的 LLD 规格见《产品与附约速查》。
Two cautions. First, charge structures differ, so no single line (premium load, say) tells you which is cheaper; compare illustrations run at the same premium, face and rate. Second, caps and participation rates are current values, not listed here. Full LLD specs are in Products & Riders.
四、收入型年金：怎么读「开户送 30%」4. Income annuities: reading "30% bonus" headlines
Drive 里有一份准备发社交媒体的草稿：「开户送 30%，保证连续 12 年复利 9.5%，保底不亏」。它说的是 Nationwide High Point 365 Select with Bonus 收入附约。 30% 奖金和 9.5% 递增只加在「最低收入给付值」上，那是计算终身领取额用的数字，不能当现金取走；附约每年还按给付基数收 1.10% 费用。 写成「复利 9.5%」会让客户以为账户每年涨 9.5%，属于误导；而且提到具体公司和产品的社交媒体内容要先送审。这份草稿不要发。
The Drive holds a draft social post: "30% bonus at opening, guaranteed 9.5% compound for 12 years, never lose". It describes Nationwide's High Point 365 Select with Bonus income rider. The 30% bonus and 9.5% roll-up apply only to the Minimum Income Benefit Value, a number used to calculate lifetime withdrawals, not cash you can take; the rider also charges 1.10% a year on the benefit base. Writing "9.5% compound" makes clients think the account grows 9.5% a year, which is misleading, and social content naming a carrier and product needs prior approval. Don't post it.
| 产品（资料日期）Product (source date) | 奖金加在哪Where the bonus goes | 何时能领When income can start | 能不能当现金取Available as cash? |
|---|---|---|---|
| Allianz 222+ (2025-05) | PIV 奖金 + PIV 利息奖金，只加在「保护收入值」PIVPIV bonus plus PIV interest bonus, credited only to the Protected Income Value | 持有满 10 年，60–100 岁开始终身领取（单人 5.0%–6.0%）After 10 years, lifetime withdrawals at 60–100 (single 5.0%–6.0%) | 不能；全部取出或年金化就失去奖金No; full withdrawal or annuitization forfeits the bonuses |
| Allianz Benefit Control+ (2025-05) | PIV 保费奖金；利息奖金二选一：偏收入（PIV 多、账户价值少）或平衡PIV premium bonus; choose Accelerated (more PIV, less account value) or Balanced interest bonus | 50 岁起（单人 3.5%–5.5%）From 50 (single 3.5%–5.5%) | 不能No |
| Nationwide High Point 365 Select with Bonus (2025-05) | 30% + 每年 9.5%（12 年）加在最低收入给付值；年费 1.10%30% plus 9.5% a year for 12 years on the Minimum Income Benefit Value; 1.10% fee | 满 1 年且 50 岁起After 1 year and age 50 | 不能；另有退还保费保证No; a return-of-premium guarantee applies |
| American Equity IncomeShield Bonus 10 (2025-09) | 14% 保费奖金进合同价值（10 年归属）；收入账户价值另按 10% 单利 10 年或 6.5% 复利 20 年递增；年费 1.2%14% premium bonus to contract value (10-year vesting); income account value rolls up 10% simple for 10 years or 6.5% compound for 20; 1.2% fee | 满 1 年且 50 岁起After 1 year and age 50 | 收入账户价值不能；已归属的保费奖金可以Income account value no; vested premium bonus yes |
共同点：收入基数（PIV、MIBV、IAV）只用来算终身领取额；奖金型年金通常退保期更长、封顶更低；任何超额提取都会按比例降低基数。 比较的正确方式是：同样的保费、同样的开始年龄，看保证的每年领取额和现金价值两个数字，而不是比奖金百分比。国家人寿 Income Driver 的算法见《年金全解》。 RILA（如 Jackson Market Link Pro）是注册证券，可能亏损本金，需要证券执照才能讨论。
What they share: income bases (PIV, MIBV, IAV) only calculate lifetime withdrawals; bonus annuities usually carry longer surrender periods and lower caps; any excess withdrawal cuts the base proportionally. Compare properly: same premium, same start age, and look at two numbers, the guaranteed annual income and the cash value, not the bonus percentage. National Life's Income Driver arithmetic is in Annuities. RILAs (such as Jackson Market Link Pro) are registered securities that can lose principal and need a securities licence to discuss.
五、外籍人士：各家门槛5. Foreign nationals: each carrier's bar
国家人寿规则详见《外籍人士投保》。各家都要求在美国境内完成全部销售流程、保费来自美国账户、排除政治公众人物等高风险职业，差别主要在下面几项：
National Life's rules are in Foreign Nationals. Every carrier requires the whole sale in the US, premium from a US account and excludes PEPs and similar occupations; the differences are these:
| National Life 2024-12 | Corebridge 2026-01 | John Hancock 2025-02 | Symetra 2025-09 | Lincoln 2024-05 | |
|---|---|---|---|---|---|
| 年龄Ages | 18–75（71 岁起标准体或更好）18–75 (Standard+ from 71) | 境外居住 18–70Living abroad 18–70 | 20–75 | A/B 国 18–75，C 国 18–70A/B 18–75, C 18–70 | 18–75 |
| 最低保额Min face | $500K | 境外居住 $1MAbroad $1M | $1M | 终身 $1M，定期 $1.5MPerm $1M, term $1.5M | $1M |
| 资产门槛Wealth test | 无统一净资产要求；保费融资需 $10MNo set net worth; premium finance $10M | 美国资产：$20 万或保额依据的 25%，满 6 个月US assets: $200K or 25% of the justifying assets, 6 months | 全球净资产 $5M；美国资产 $20 万或保额 25%，满 6 个月$5M global net worth; US assets $200K or 25% of face, 6 months | 全球净资产 $1M$1M global net worth | 净资产 $1M$1M net worth |
| 美国关联US ties | 房产、企业、美籍配偶、F 签证、$10 万资产满 3 个月、EB-5 之一One of: property, business, US-citizen spouse, F visa, $100K assets for 3 months, EB-5 | 过去 12 个月和 48 个月各停留 15 天 + 美国账户满 6 个月 + 资产要求 + 一项关联15-day stays in the last 12 and 48 months + US account 6 months + asset test + one tie | 关联 + 有规律地来美 + 美国资产A tie + regular US presence + US assets | 八项之一；只有银行账户时需 $1 万满 1 个月One of eight; bank account alone needs $10K for a month | 房产、控股美国企业、$10 万账户满 90 天、美国工作、学生、EB-5 等之一One of: property, majority US business, $100K account 90 days, US job, student, EB-5… |
| 产品Products | 只有终身险Permanent only | A 国可买定期（至少 20 年）Term for A countries (20-year minimum) | 终身险；定期只用于美国企业关键人Permanent; term only for US business key person | 终身和定期Permanent and term | 终身险；企业需要时 10/15 年定期Permanent; 10/15-year term for business needs |
| 最高额度Capacity | $30M 自动（71–75 岁 $20M）$30M autobind ($20M at 71–75) | 终身 $10M（可再保）Perm $10M (more with facultative) | A/B 国 $65M，C 国 $24MA/B $65M, C $24M | A/B 国 $20MA/B $20M | 自动 $40M，总额 $60M$40M autobind, $60M jumbo |
| 生前福利 / 附约Living benefits / riders | A/B 国有 ABR，需在美国规律就医ABRs for A/B, with regular US care | 重疾理赔需美国医生证明CI claims need a US physician | 重疾、LTC、豁免等附约不提供No CI, LTC, waiver and similar riders | — | 不提供 LTC 和慢性疾病方案No LTC or chronic solutions |
| 送单用授权书POA for delivery | 须在美国由被保险人签收Insured signs the receipt in the US | 有限授权书，个案审核Limited POA, case by case | 不接受Not accepted | 可由美国居民代理人签收（与销售无关的人）US-resident attorney-in-fact not involved in the sale | 可，需公证Yes, notarised |
| 中国 / 香港 / 台湾China / HK / Taiwan | A / A / A | B / A / A | 见核保指南See UW guide | B / B / A | 均批准（中国限大城市）All approved (China: large cities) |
几个值得记住的做法：Corebridge 对在美国合法居住（每年 10 个月以上、签证有效期 6 个月以上）的外籍人士按居民审核，可买定期；Symetra 对在美 5 年以上的 H1B、L1 等签证持有人免除 $100 万净资产要求； Lincoln 允许符合条件的配偶最多按有关联一方的保额投保（上限 $10M）。国家人寿对美国居民的定义见外籍人士页。
Worth remembering: Corebridge treats foreign nationals living in the US (10+ months a year, visa valid 6+ months) under resident rules, including term; Symetra waives its $1M net-worth test for H1B, L1 and similar holders in the US 5+ years; Lincoln lets a qualifying spouse apply for up to the connected spouse's coverage (max $10M). National Life's US-resident definition is on the foreign-nationals page.
六、最终费用险：给高龄或健康一般的客户6. Final expense: for older or less healthy clients
客户年纪大、只想留一笔丧葬费、或健康情况过不了全核保时，可以了解最终费用险。以 Transamerica FE Express Solution（2024-09）为例：
When a client is older, only wants to cover final expenses, or can't pass full underwriting, final expense is an option. Transamerica's FE Express Solution (September 2024) as an example:
- 非分红终身寿，全数字化，约 10 分钟即时决定；只问健康问题加处方和医疗数据，不体检。
- Non-participating whole life, fully digital, an instant decision in about 10 minutes; health questions plus Rx and medical data, no exam.
- Level 版：18–85 岁，$5,000–$50,000（76 岁以上最高 $25,000），第一天全额保障。Graded 版：18–80 岁，最高 $25,000，前两年非意外身故只退保费的 110%。
- Level: ages 18–85, $5,000–$50,000 ($25,000 max over 76), full coverage from day one. Graded: 18–80, up to $25,000; non-accidental death in the first two years returns 110% of premium.
- 要求美国公民或有效期 90 天以上的绿卡；加州、纽约、宾州等不卖；不接受定期转换；多个州不接受替换。
- US citizens or green cards valid 90+ days; not sold in CA, NY, PA and others; no term conversions; several states bar replacements.
- 单项疾病规则举例：两年内治疗过的癌症拒保、2–4 年 Graded、4 年以上 Select；失智、目前住护理院拒保；COPD、心衰可 Select。
- Single-condition examples: cancer treated within two years declines, 2–4 years Graded, 4+ Select; dementia or current nursing-home stay declines; COPD and CHF can be Select.
最终费用险保额小、每千元保费高，只解决丧葬和小额债务；能过全核保的客户，终身或定期往往更划算。
Final expense is small and costly per thousand; it covers funerals and small debts. Clients who can pass full underwriting are usually better served by permanent or term coverage.
七、终身寿分红率：看趋势，不比高低7. Whole-life dividend rates: trends, not rankings
主要分红终身寿公司的分红利率一直在降：同业平均从 1996 年的 7.92% 降到 2022 年的 4.63%，2024 年回到 4.83%。
Among the main participating whole-life carriers, the average dividend interest rate fell from 7.92% in 1996 to 4.63% in 2022, then rose to 4.83% in 2024.
两个用法：一、客户拿着 20 年前的终身寿演示问「为什么现金值比当年说的少」，答案是分红利率一直在降，演示里的非保证部分当然没兑现； 二、不要用分红利率比较不同公司。分红利率不代表产品表现，死亡率、费用、分红计算方式（净额还是总额）都会影响结果。WL 和 IUL 的取舍见《终身寿 vs IUL》。
Two uses: when a client asks why a 20-year-old whole-life illustration overstated today's cash value, dividend rates have fallen steadily, so the non-guaranteed part didn't materialise; and never compare carriers by dividend rate. The rate doesn't indicate product performance, since mortality, expenses and crediting method (net vs gross) all matter. WL vs IUL: WL vs IUL.
八、客户听到别家的说法时8. When clients repeat what others told them
客户可能听人说过「保险公司不骗人，是经纪人骗人」「指数险会断保」「只该买某某公司的终身寿」「经纪人第一年佣金是保费的 120%」。 遇到这种情况，我们的做法有五条：
A prospect may have heard "insurers don't lie, agents do", "indexed policies lapse", "only buy So-and-so's whole life", "the agent gets 120% of the first-year premium". Our approach comes down to five things:
让客户把疑虑说完，问清楚是在哪里、听谁说的。
Let the client finish and find out where they heard it.
说服不了就留一份书面资料，给客户时间。
If you can't persuade, leave written material and give them time.
不知道的数字或条款，查清楚再回复。「断保」是真实风险，IUL 少交保费确实会失效，所以要讲清楚保证期和年检。
Check anything you don't know before answering. Lapse is a real risk: an underfunded IUL can lapse, which is why you explain guarantee periods and annual reviews.
这次是谈保单还是谈事业，不要混在一起。
Decide whether this conversation is about a policy or a career, and don't mix them.
不评价别的公司和经纪人。拿出双方的官方文件，按同样口径对比事实；客户的旧保单如果合适，就建议保留。
Don't criticise other carriers or agents. Put both carriers' official documents side by side on the same basis; if the client's existing policy suits them, say keep it.
内部培训资料，仅供签约经纪人使用，不得转发给客户或公开使用。各公司资料为 2024–2026 年的版本；本页只陈述事实，不构成对任何公司或产品的评价或推荐。 规格、费率、州别供应和核保规则随时变化，以各公司当期官方文件为准。
Internal training material for contracted agents only, not for clients or public use. Carrier materials are the 2024–2026 versions; the page states facts only and is not a rating or recommendation of any carrier or product. Specs, rates, state availability and underwriting rules change; each carrier's current official documents take precedence.