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					       Term Life Insurance Series
       underwritten by Chase Insurance Life and Annuity Company
       Effective November 2004



                    Chase Insurance

                    Home Secure-T
                    Term Life Mortgage Protection


3321-LB-04
Term Life
      Mortgage Protection
Wise Decision No. 1
With today’s interest rates still relatively low, you may have
                                                                     If you’ve made two wise
pursued your family’s dreams by:                                     decisions about your
• Purchasing a new home
• Refinancing your existing mortgage for a lower rate or to          home recently, why not
  consolidate debts
                                                                     make one more?
Wise Decision No. 2                                                  Wise Decision No. 3
With those lifestyle improvements come financial                     Chase Insurance is in the business of providing our
obligations. If all goes well, you should be able to manage          customers with financial solutions that will help them
these demands on your income. But all does not always go             manage their personal financial risk. If you want to validate
well in life. Plans do not always progress as expected. You          your first two wise decisions, make the third one today.
may need a back-up plan in case of your death or disability
so that your family can:
• Continue to prosper in that new home
• Cover or eliminate future mortgage payments

That’s where l i f e i n s u r a n c e can be a wise addition to a
sound financial plan.
Product
Specifications
Terms                                                       Mortgage Limits
15-year fully guaranteed                                    As long as your mortgage (original or refinanced) has
20-year fully guaranteed                                    been established within the last three years, you may
30-year fully guaranteed                                    acquire protection that is equal to 125% of the current
30-year with partial guarantee of 15 years                  mortgage balance.

Death Benefit Options                                       Policy Fee
Lump Sum and Installment                                    Premiums include an annual fee of $60.

Premium Classes                                             Riders                                          Series
Non-Tobacco : Standard
                 1
                                                            Cash Value Rider                               S-6012
Tobacco: Standard                                           Disability Income (accident only)              S-6010
Unisex Rates                                                Waiver of Premium                              S-6009
                                                            Term Income Rider                             FK-1317
Renewal Period                                              Other Insured Rider (limited to 1)             S-6013
Chase Insurance Home Secure-T is non-participating          Accidental Death Benefit                       S-6011
term life insurance to age 95 with an initial level-        Accelerated Death Benefit (included)           S-9379
premium period of 15, 20, 30 years. In addition to the      Dependent Children’s Rider                     S-9308
fully guaranteed periods, a partial 15-year premium
guarantee is also available on the 30-year plan. After
the selected level-premium period ends, premiums
increase each year.

Premium Modes
Annual                   Checking, Credit Card and Direct
Semi-Annual              Checking, Credit Card and Direct
Quarterly                Checking, Credit Card and Direct
Monthly                  Checking and Credit Card

Issue Ages2
15-year plan: 18-65
20-year plan: 18-60
30-year plan: 18-45
30-year partial guarantee plan: 18-60


Face Amounts
18-60                         $25,000 — $200,000
61-65                         $25,000 — $150,000




1
No Tobacco use in any form within the last 36 months.
2
Tobacco and Non-Tobacco
    Product Features

Features and Riders3

Unemployment Provision
If you become unemployed for 30 consecutive days or
longer, the premium for the entire policy, including all
riders, is waived. The maximum unemployment benefit is
6 months of waived premium with a limit of 1
occurrence. This rider is automatically included in the
premium.

Cash Value Rider (Return of Premium)
This feature pays a cash value at the end of the level term
period. If you surrender the policy after 5 years but prior
to the end of the term, a portion of the cash value will be
refunded. Premium changes after the date of issue and
substandard premiums may not be counted.                       Waiver of Premium Rider
                                                               In the event of a qualified disability, this rider provides
Disability Income Rider (Accident Only)                        for all premiums to be waived after a 180-day
In the event of a qualified disability, this rider provides    elimination period.
cash that can be used to make mortgage payments for
24 months. Insured must be disabled for at least 90-day
waiting period before receiving the disability benefit.
                                                               Death Benefits
Dependent Children’s Rider                                     Lump Sum
Provides life insurance coverage on each eligible child        Once you determine the amount of coverage that
up to age 23 or age 65 of the insured parent (if               matches your mortgage balance and term period—15,
earlier).                                                      20, or 30 years—the full face (lump sum) amount is
                                                               paid to your beneficiary at death.
Accelerated Death Benefit Rider
The accelerated death benefit provides for advance             Lump Sum & Installment
payment upon request of the lesser of 50% of the               In addition to a lump sum payment, death benefits are
existing death benefit or $250,000, if you have become         available in installments through the Term Income Rider.
terminally ill with a life expectancy of 12 months or less.    The Rider provides the beneficiary a specified monthly
Receipt of accelerated benefits may be taxable and may         income for 15, 20 or 30 years after the insured’s death.
affect eligibility for public assistance. Consult with a tax   An installment plan earnings may be taxable. Consult
advisor.                                                       with a tax advisor.
Charges may apply upon receipt of benefits.




3
Not all features and riders are available in all states.
                                          Chase Insurance Home Secure-T
                     Shouldn’t safeguarding your home be a
                      central part of your family’s planning?
Client Profile
Name____________________________________________                Other Proposed Insured______________________________

Sex       M          F     Date of Birth ____________________   Sex       M         F    Date of Birth_____________________

Tobacco          Y         N                                    Tobacco         Y        N

Mortgage Balance _________________________________

Monthly Payment ___________________________________


Option 1: Home Secure-T*
• Income Tax-Free Death Benefit of $__________________          Quote 1: Term       15       20     30       30/15

• Unemployment Provision – no additional cost                             Monthly Premium $___________________________
• Accelerated Death Benefit – no additional cost
                                                                Quote 2: Term       15       20     30       30/15
• _______________________________________________
                                                                          Monthly Premium $__________________________


Option 2: Home Secure-T with Return of Premium Feature*
• Income Tax-Free Death Benefit of $__________________          Quote 1: Term       15       20     30       30/15
• Unemployment Provision – no additional cost                             Monthly Premium $___________________________
• Accelerated Death Benefit – no additional cost
                                                                Quote 2: Term       15       20     30       30/15
• Cash Value Rider
  $_________ Approx. refund based on ________Year plan                    Monthly Premium $___________________________

• _______________________________________________

Option 3: Home Secure-T with Return of Premium and Disability Protection Features*
• Income Tax-Free Death Benefit of $__________________          Quote 1: Term       15       20     30       30/15

• Unemployment Provision – no additional cost                             Disability Income Rider: $___________ per month
• Accelerated Death Benefit – no additional cost                          Monthly Premium $___________________________
• Cash Value Rider
                                                                Quote 2: Term       15       20     30       30/15
• Disability Income Rider (Accident Only) Up to $1,500
                                                                          Disability Income Rider: $___________ per month
• _______________________________________________
                                                                          Monthly Premium $___________________________

*See product features page for details.
   The Power of Chase
  Chase Insurance is the company for life, annuity, and financial products that you can choose with confidence,
  because Chase Insurance benefits from the strength of one of the world's great financial institutions, enjoys a
  heritage rich in insurance expertise, and most importantly, continues to make insurance simple.


  Chase Insurance benefits from the          Chase Insurance has a proven            Chase Insurance Ratings*
  strength of one of the world’s great       insurance heritage:                     • A.M. Best: A (Excellent), which
  financial institutions:                    • We’ve been doing business as an         represents third highest rating out
  • $1 trillion in parent corporation’s        insurance company for a century.        of sixteen
    assets
                                             • We have over 1 million current        • Moody’s: A2 (Good), which
  • 90 million customers worldwide             policyholders.                          represents sixth highest rating out
                                                                                       of nineteen
  • Unprecedented brand recognition          • We have $234 billion of life
    and trust that comes with being a          insurance coverage currently          • Standard & Poor: A+ (Strong),
    financial powerhouse.                      inforce.                                which represents fifth highest
                                                                                       rating out of twenty-one.
                                             • We have over $9 billion of assets
                                               under management.




  Chase Insurance
  Chase Insurance (www.ChaseInsuranceCompany.com) is a provider of
  financial solutions for individuals and businesses, including variable and fixed
  annuities for long-term asset accumulation, term life insurance and universal
  life insurance. Chase Insurance distributes its products directly to consumers
  through a variety of distribution channels, including independent broker/
  dealers, life insurance agencies and financial planners. Chase Insurance is
  comprised of Chase Insurance Life and Annuity Company, Chase Insurance
  Life Company, Chase Insurance Life Company of New York.
  Chase Insurance Home Secure-T is non-participating term life insurance to
  age 95, policy form series S-3241, underwritten by Chase Insurance Life and
  Annuity Company, 2500 Westfield Drive, Elgin, IL 60123. Suicide and other
  limits may apply. Forms and policy provisions vary by state. Policy and riders
  not available in all states. All quotes are subject to underwriting.
  *Ratings are for Chase Insurance Life and Annuity Company. Ratings are
  based on company’s financial stability and claims-paying ability.




                                                                                                                   Chase Insurance
                                                                                                               2500 Westfield Drive
                                                                                                              Elgin, IL 60123-7836




3321-LB-04 (04/05)                                                                                                             50M

				
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