What you should know when you apply 10-year 18-80 When you apply for a Protective Classic plan (18-75 for tobacco class) Choice term policy, you are classi昀椀ed in an underwriting category (Select Preferred, 15-year 18-75 Preferred, Non-Tobacco or Tobacco). These plan (18-68 for tobacco class) categories are based on current health and medical history and determine your policy 20-year 18-70 rates. Each initial level bene昀椀t period also plan (18-62 for tobacco class) has issue age restrictions. 25-year 18-60 The minimum policy face amount (death plan (18-52 for tobacco class) bene昀椀t) is $100,000; there is no set maximum face amount. This applies to all issue ages and 30-year 18-58 all underwriting classes. plan (18-43 for tobacco class) 35-year 18-50 plan (18-40 for tobacco class) 40-year 18-45 plan (18-40 for tobacco class) 3