A critical illness product that offers the Best of Both Worlds:
  Accelerated issue if all answers are "NO"
 Able to submit application even if there is a "YES" answer.
 Same easy questions as FlexTerm, FlexOptions and ParPlus
Product features
 Issue ages: 18-60
 Coverage from $10,000 to $100,000
 16 covered critical illnesses
 Term 15 (ages 18-60)
 Term 20 (ages 18-55)
 Term 25 (ages 18-50)
 Term 75 (ages 18-60)
 Term 75 20-year pay (ages 18-50)
 Electronic application only
  Accelerated issue or fully underwritten
 Guaranteed premiums
 Critical Protection
 Return of premiums upon death