*The actual premiums can only be determined by a full application and underwriting process, including some medical testing at our expense. Premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates are available via EFT (electronic funds transfer). Not all plans are available in all durations and at all ages. Some features may not be available in all states. Standard form number ICC15 FGCLT01-01 in most states.