Index universal life

It may be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

Increasing the death benefit may be subject to additional underwriting approval.

Offers
Flexible death benefit.

Flexible premium.

Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.

Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.

Living Benefits
There are additional benefits associated with our life insurance and annuity solutions provided by optional riders. We call them Living Benefits, and we have been providing them since 1937. Based on the product, living benefits can provide benefits should a qualifying terminal, chronic or critical illness or critical injury occur1, or if your desire is to have an income that you cannot outlive.

The best way to understand the impact living benefits can have is to hear from policy owners who have actually used them.

1. Living Benefits may be provided by optional Accelerated Benefits Riders.

Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy.

Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event and may affect your eligibility for public assistance programs. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you.

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