Payment Periods	Single Pay and One Pay Class B One Pay not available: AR, MI, MN, OR, NV
Growth Rates	1.0%, 1.5%, 2.0%, 2.5%, 3.0%, 3.5% Virginia All Urban CPI or 2.5% simple growth over the life of the policy, whichever is greater.
Health Questions	One Health Question Standard Issue (Question = "No") Guaranteed Issue (Question = "Yes")
Issue Ages	0-99 Single Pay STD & GTD 0-80 for One Pay STD 0-99 for One Pay GTD Minnesota 0-80 for One Pay STD
Death Benefit	Level (Standard and Guaranteed) Increases daily Declared, simple growth Virginia Increases monthly, beginning 1st day of 2nd policy month Compound growth
Minimum Face Amount	$500 West Virginia $1,000
Maximum Face Amount	$50,000 Note: $15,000 maximum for the NGL Funeral Expense Trust. $50,000 maximum for the NGL Estate Planning Trust. Virginia $25,000
Chargebacks	Non-accidental deaths: Class A: Month 1-6 = 100% Month 7 = 85.71% Month 8 = 71.43% Month 9 = 57.14% Month 10 = 42.86% Month 11 = 28.57% Month 12 = 14.29% Month 13+ = 0% Class B: Month 1-12 = 100% Month 13+ = 0% All lapses, surrenders, non-forfeitures, not takens in Year 1 = 100% Chargeback

Product Availability

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Estate Planning Trust

Minimum	$500
Maximum	$50,000
Medicaid Protection*	Five year look-back
Assignment Forms	Estate Planning Trust (2591-EPT)
Excess Funds	2nd Beneficiary Allowed

Funeral Expense Trust

Minimum	$500
Maximum	$15,000
Medicaid Protection*	Effective Date of Transfer
Assignment Forms	Funeral Expense Trust (2591-FET)
Excess Funds	Estate of the Insured

Trust Guidelines

Let your client know that this is an irrevocable assignment that results in the permanent transfer of ownership of policy rights. The client is not able to surrender, take a loan or receive a premium refund. The client cannot change ownership, beneficiary, or face amount of plan

For a complete Product Summary of either trust, please Click Here.

* Medicaid limits the face amount of policies, assigned to the NGL Funeral Expense Trust, which they will consider excluded assets in the following states:

Arizona - $8,000 | Delaware - $15,000 | Indiana - $10,000 | North Dakota - $6,000
Oklahoma - $10,000 | Tennessee - $6,000 | Utah - $7,000