When talking life insurance, age does matter. One year

can make a dramatic difference in life insurance premiums and even more remarkable difference in total premiums paid over the life of the policy.

At Lincoln Benefit Life, you get the competitive advantage of Age Last Birthday underwriting - where customer's insurance age is their actual age. You will fine that many companies, including John Hancock, ING, Lincoln National Life and SunLife, use age nearest birthday to determine life insurance premiums ¹

- meaning that if a customer is more than six months past their birth date, their insurance age is increased to their next birthday. And who likes to be thought of as older than they are?

Making a difference for your customers

As a hypothetical example, take a look at how this could affect a Legacy Secure UL customer classified as a standard non-smoker, looking for a lifetime gurarantee² and requesting a $1 million death benefit:

Take advantage of Age Last Birthday underwriting - this differentiating sales opportunity may be just what it takes to help you close your next sale.

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¹ All competitive information is believed current as of January 2008 from sources deemed reliable. However, its accuracy and completeness cannot be guaranteed. Data is subject to change at any time. Competitor products may have features that differ by product and by state.

² Guarantees are based on the claims-paying ability of Lincoln Benefit Life Company.

Legacy Secure UL (contract series UL0610) is issued by Lincoln Benefit Life Company, Home Office: Lincoln, NE. Lincoln Benefit Life Company is a wholly owned subsidiary of Allstate Life Insurance Company.