Product Details
| Target Market: | • Supplemental Retirement Income • Family protection • Annuity maximization • Legacy building | |
| Issue Ages: | 15 days – 85 years (age nearest) | |
| Maturity Age: | 120 | |
| Minimum Face Amount: | $25,000 | |
| Death Benefit Options: | Level/Increasing | |
| No Lapse Guarantee: | • Issue ages 15 days to 54 years: 15 years or attained age 65 • Issue ages 55+: 10 years • Guarantees up to age 120 with the Premium Guarantee Rider | |
| Target Premium: | Two year rolling target available at policy issue when 80% of commissionable target premium is paid in the first policy year. The rolling target will not be applied to commissions for specified increases at later durations. | |
| Guar. Interest Rate: | Minimum guaranteed Fixed Account rate is 3% | |
| Underwriting Classes: | • Super Preferred NT – ages 18-80 • Preferred NT – ages 18-80 • Standard NT – ages 15 days -80 years • Preferred TB – ages 18-80 • Standard TB – ages 18-80 | |
| Waiver of Surrender Charge Option: | N/A | |
| Riders Available: | • Accelerated Benefit Endorsement • Accidental Death Benefit Rider • Children’s Term Insurance Rider • Chronic Illness Accelerated Benefit Rider • Premium Guarantee Rider • Waiver of Monthly Deductions Rider • Waiver of Surrender Charge Endorsement | |
| Loans/Partial Surrenders: | • Variable interest rate loans beginning in the 6th policy year • Standard loans beginning in policy year one • Partial surrenders available in the first policy year | |
| Surrender Charge Period: | 15 years 0-80 10 years 81+ | |
| Applications & Forms: |
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| Guides: | ||
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At A Glance (UL)