KSKJ LIFE PRESCRIPTION KNOCK-OUT LIST
The medications listed below apply if they have EVER been PRESCRIBED or TAKEN.
Height & Weight
Medication
Chart
Unisex
Height
Max weight
Select
Max weight
Standard
4’10”
192
232
4’11”
198
239
5’00”
205
247
5’01”
212
255
5’02”
219
264
5’03”
226
273
5’04”
233
282
5’05”
240
291
5’06”
247
300
5’07”
254
309
5’08”
262
318
5’09”
270
327
5’10”
278
336
5’11”
286
345
6’00”
294
355
6’01”
302
365
6’02”
310
375
6’03
318
385
6’04”
326
395
6’05”
334
405
6’06”
342
415
Final Expense
FEATURES:

Available for people age 50 to 80

Premiums that never increase

Three ways to cover your clients:
Select, Benefit: $5,000-$25,000
Standard, Benefit: $5,000-$25,000
Modified , Benefit: $5,000-$15,000





Immediate full benefit for Select and
Standard coverage
No medical exams, APS or blood test
required
MIB, Script check and phone
interview possible.
Once approved and paid for,
coverage can not be cancelled.
Financially strong fraternal
2439 Glenwood, Joliet, IL 60435
855-332-8809

kskjlife.net
For Sales Representative Use Only:
Not Intended for Public Distribution
FINEX 08.2016
Acetyl L-Carnitine
Agenerase
Ambisome
Aricept
Atripla
Cognex
Combivir
Complera
Didabosine
Donepezil HCL
Edurant
Emtriva
Epivir
Epizicom
Ergoloid Mesylates
Exelon
Fortovase
Foscarnet Sodium
Foscavir
Fuzeon
Galantamine
Ganciciovir
Hivid
Hydergine
Intelence
Invirase
Mepron
Medical Condition
Medication
Alzheimer’s/Dementia Mycobutin
AIDS
AIDS
Alzheimer’s/Dementia
AIDS
Alzheimer’s/Dementia
AIDS
AIDS
AIDS
Alzheimer’s/Dementia
AIDS
AIDS
AIDS
AIDS
Alzheimer’s/Dementia
Alzheimer’s/Dementia
AIDS
AIDS
AIDS
AIDS
Alzheimer’s/Dementia
AIDS
AIDS
Alzheimer’s/Dementia
AIDS
AIDS
AIDS
Namenda
Nebupent
Neutrexin
Norvir
Panretin
Pentam
Pentamidine
Prezista
Razadyne
Reminyl
Rescriptor
Retrovir
Reyataz
Rivastigmine Tartrate
Selzentry
Sustiva
Trizivir
Truvada
Valcyte
Videx
Viracept
Viramune
Viread
Vistide
Zerit
Ziagen
Zidovudine
Medical Condition
AIDS
Alzheimer’s/Dementia
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
Alzheimer’s/Dementia
Alzheimer’s/Dementia
AIDS
AIDS
AIDS
Alzheimer’s/Dementia
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
AIDS
The following medications denote significant underlying disease. It is highly unlikely that we
can offer insurance if your client is taking any of the following medications.
Brand Name/Generic Name:
Antabuse/disulfram | Depade/naltrexone | ReVia/naltrexone
Suboxone/buprenorphine/naloxone | Vivitrol/nalrexone
KSKJ reserves the right to take action on any drug not listed here.
SELECT LEVEL — TIER 1 & STANDARD LEVEL—TIER 2
 Face Amounts $5,000 to $25,000
KSKJ Couple’s Advantage:
 Gross premiums are per $1000 of face




Ages 81-85 (rates are in red below)
$15,000 Max Death Benefit
Select & Standard Level Only

Non-Commissionable policy Fee $65.00
 Non- commissionable policy fee $65.00
For modes other than Annual premium, multiply:
.0865 for Monthly Bank Draft
.265 for Quarterly .520 for Semi-Annual
81
82
83
84
85
 Gross premiums are per $1000 of face
 Non- commissionable policy fee $65.00
Nonsmoker
20.62
Smoker
27.23
21.34
28.24
22.07
29.27
22.82
23.62
30.32
31.45
24.49
32.61
25.45
33.79
26.47
35.03
27.56
36.37
28.72
29.93
37.77
39.20
40.65
32.49
42.14
33.93
43.84
35.44
36.96
45.64
47.27
38.56
48.91
40.34
50.77
42.32
52.89
44.57
55.24
47.10
50.10
57.84
61.11
53.34
64.55
56.63
67.77
60.28
71.26
64.28
75.47
68.77
73.84
80.68
86.68
79.33
93.14
85.37
100.09
92.29
108.20
125.69
168.99
100.24
117.85
137.57
184.65
109.36
128.78
152.49
203.86
120.01
141.39
170.16
227.28
132.28
156.29
190.79
254.92
146.56
173.97
Issue
Age
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
Male
Nonsmoker Smoker
26.76
36.49
Modified Graded Benefit Plan
If DEATH Occurs:

If death occurs during Year 1,
the death benefit is 110% of
paid premium + policy fee
paid.

If death occurs between Year
1 and Year 2, the death benefit
is 40 % to 65% of the face
amount depending upon your
age.
For modes other than Annual premium, multiply:
.0865 for Monthly Bank Draft
.265 for Quarterly .520 for Semi-Annual
STANDARD Level Benefit
Female
31.18
 Face Amounts $5,000 to $15,000
Corresponding application must be submitted on
a spouse younger than 80 years old.
SELECT Level Benefit
Issue
Male
Age Nonsmoker Smoker
24.08
30.50
50
25.06
31.80
51
26.10
33.19
52
27.19
34.66
53
28.33
36.22
54
29.51
37.82
55
30.76
39.50
56
32.08
41.30
57
33.45
43.20
58
34.89
45.19
59
36.38
47.30
60
37.95
49.59
61
39.67
52.16
62
41.54
55.02
63
43.55
58.10
64
45.78
61.27
65
48.22
64.55
66
50.94
68.28
67
53.78
72.14
68
56.73
76.05
69
60.11
80.56
70
63.62
85.54
71
67.22
90.86
72
71.15
96.52
73
75.58
102.81
74
80.57
109.50
75
85.79
116.41
76
91.82
124.27
77
98.77
133.40
78
106.66
143.96
79
115.76
155.73
80
MODIFIED LEVEL — TIER 3
Female
Nonsmoker Smoker
22.92
32.60
MODIFIED Graded Benefit
Issue
Male
Age Nonsmoker Smoker
50
32.41
46.22
51
33.93
48.64
Nonsmoker
Smoker
27.84
41.34
28.91
43.16
51.24
29.98
44.96
54.03
31.07
46.80
39.11
56.97
32.23
48.79
40.99
59.94
33.53
50.75
42.99
63.06
34.98
52.69
45.13
66.45
36.54
54.79
58
59
60
47.37
70.11
38.22
57.03
49.71
73.97
39.99
59.33
52.11
77.95
41.82
61.63
61
62
63
54.64
82.15
43.70
63.98
57.51
86.95
45.60
66.27
60.76
92.38
47.68
68.81
64
65
64.23
98.21
49.84
71.41
68.01
104.16
52.04
73.79
66
67
68
72.17
110.36
54.48
76.33
76.76
117.27
57.26
79.24
81.53
124.35
60.39
69
70
86.47
131.47
92.09
71
72
28.00
38.41
23.81
34.06
29.30
40.42
24.70
35.53
30.66
42.53
25.62
37.04
32.10
44.77
26.59
38.66
52
35.55
33.59
47.06
27.68
40.31
37.28
35.17
49.46
28.88
41.95
36.88
52.09
30.16
43.65
53
54
55
38.69
54.93
31.54
45.49
40.62
57.99
33.01
47.40
42.63
61.27
34.52
49.32
56
57
44.78
64.81
36.09
51.27
47.13
68.78
37.75
53.29
49.71
73.17
39.67
55.79
52.46
77.85
41.71
58.44
55.53
82.66
43.67
60.70
58.96
87.78
45.75
62.91
62.88
93.78
48.11
65.54
67.05
100.15
50.83
68.67
71.41
106.67
53.93
72.17
76.58
114.56
57.47
76.12
82.39
124.20
62.00
81.62
88.72
135.24
66.95
87.48
95.55
146.87
71.85
92.68
103.00
159.05
77.38
98.48
111.08
171.26
83.63
105.71
119.41
183.17
90.85
114.91
129.12
196.83
99.32
125.94
140.71
213.49
108.67
138.03
154.49
233.62
119.29
151.27
170.82
257.07
131.96
167.46
189.42
284.65
146.86
187.32
212.35
318.69
164.18
209.96
241.73
278.23
362.97
420.92
185.46
211.40
237.06
271.31
323.53
494.85
243.93
315.78
Female
When death occurs under a
Modified Graded Benefit in
Year 1, Year 2, and Year 3+
with a Face Amount of $10,000
Issue Age
Year 2
Years 3+
110% Prems Paid to Death
4000
10000
66
110% Prems Paid to Death
4100
10000
67
110% Prems Paid to Death
4200
10000
110% Prems Paid to Death
4300
10000
69
110% Prems Paid to Death
4400
10000
70
110% Prems Paid to Death
4500
10000
71
110% Prems Paid to Death
4600
10000
82.64
72
110% Prems Paid to Death
4700
10000
63.90
86.47
73
110% Prems Paid to Death
4800
10000
139.70
67.87
90.81
4900
10000
149.53
72.45
95.99
74
110% Prems Paid to Death
98.10
104.57
160.82
77.53
101.63
75
110% Prems Paid to Death
5000
10000
73
74
75
111.53
172.58
83.07
107.40
76
110% Prems Paid to Death
5250
10000
119.12
184.87
89.27
113.77
77
110% Prems Paid to Death
5500
10000
127.74
197.64
96.15
121.55
76
77
5750
10000
211.13
103.96
131.37
78
110% Prems Paid to Death
137.24
148.19
226.43
112.86
142.74
79
110% Prems Paid to Death
6000
10000
78
79
80
161.08
244.19
122.85
155.48
80
110% Prems Paid to Death
6500
10000
176.24
255.24
134.18
169.70
193.82
277.34
147.30
186.42
50-65
68
Year 1