Advantage Builder II ABOUT AVIVA. Consumer product guide

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Advantage Builder II ABOUT AVIVA. Consumer product guide"

Transcription

1 ABOUT AVIVA Aviva Life and Annuity Company is part of Aviva USA, one of the fastest-growing life insurers in the United States, with more than 1,115,000 customers and 32,850 agents and distributors. We offer a competitive portfolio of longterm savings, insurance and retirement income products designed to help customers make the most out of life. Aviva USA is part of Aviva plc, the world s fifth-largest insurance group, with a corporate lineage dating back to Advantage Builder II Indexed Universal Life This brochure contains highlights only. You should refer to the Advantage Builder II Indexed Universal Life policy for a full explanation. All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials, including attachments, is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company, and not that of any other insurer or company. * Pg 5 As with most universal life policies, the cash value is determined by the sum of premiums paid net of any loads, deductions of policy charges, plus interest credited. Policy charges are deducted monthly and include a flat administrative fee, an expense charge based on face value issued, cost of insurance charges, and charges for any riders. * Pg 8 This policy is designed for long-term accumulation and not for short-term liquidity. However, if your needs change, the policy allows you to withdraw all or part of the cash value subject to certain limitations. Withdrawals may be subject to surrender penalties imposed by the company. Amounts withdrawn may also be subject to tax liability or tax penalties. Partial surrenders and loans may affect policy values and death benefits. Aviva does not provide tax, legal or accounting advice; always consult your own personal advisor for tax, legal, or accounting advice. Policy form 2EDB08. Availability may vary by state. Products Issued by Aviva Life and Annuity Company 611 5th Avenue Des Moines, IA Consumer product guide / /09

2 Advantage Builder II The uncertainty of tomorrow makes today s decisions even more important. Life insurance as part of your overall financial plan can be one way to protect your family from the unknown events of tomorrow while building a solid foundation of financial security for the future. The choices, flexibility and guarantees afforded you with Indexed Universal Life insurance from Aviva are unmatched anywhere else. Indexed Universal Life from Aviva can help you Products issued by Aviva Life and Annuity Company. Indexed Universal Life This policy description provides highlights and does not cover all restrictions, conditions or limitations that may apply. Consult your agent or see the policy for full details. Benefits may be limited or excluded during the first two years of your policy under suicide and contestibility provisions. n Protect Your Loved Ones If something happened to you, what would happen to your spouse and children? Would they carry on as always, or would they be faced with financial hardship? You can ensure they have the funds to pay off the mortgage, leaving a debt-free home to your loved ones, or the funds to meet daily expenses and replace income, allowing their lifestyle to continue. n Plan for Your Future By accessing your policy values, you may be able to significantly enhance the funds available for your retirement. This supplemental retirement income in most cases accumulates tax-deferred and may even be tax-free! You may also gain access to these funds prior to retirement through the loan provisions in your policy. n Leave a Legacy Leave a legacy to pass along to your heirs. Allow as much of your estate as possible to be passed along, rather than having a disproportionate amount sacrificed to pay taxes. Life insurance may be able to allow your estate to be maximized while your tax obligations are satisfied. Proceeds from your policy may also be used as a contribution to a charity you may hold close to your heart, allowing for a lasting legacy of your generosity. With Advantage Builder II Indexed Universal Life, you decide how your policy will work for you. With its flexible design, the choice is yours! 1 2

3 With an Indexed UL Policy, You Can Take Advantage of n Flexible premium payments and death benefit options n An array of riders to customize the policy for your needs n The options of taking policy loans and withdrawals (subject to policy specifications) n An index-linked interest crediting approach that includes a guaranteed minimum interest rate while providing the potential for more growth than most traditional life insurance products n Proceeds that are in most cases income taxfree to the beneficiary upon your death and cash values that typically accumulate taxdeferred The Coverage You Need Advantage Builder II Indexed UL is a flexible policy that can fit many needs. With face amounts beginning at $100,000, a variety of riders from which to choose and several interest crediting options, your policy can be customized for your individual situation. 3 4

4 Why Index-Linked Interest Crediting? Advantage Builder II IUL is an indexed universal life insurance policy. The major difference between traditional universal life and indexed universal life is the way interest is credited. While the account value of a traditional UL policy is credited with interest based on a rate periodically declared by the insurer, an indexed UL policy earns interest based in part on the movement of a stock market index, excluding dividends. We believe that an indexed life product has the potential over the life of the policy for greater interest crediting than the more traditional products. Consequently, this could mean more cash value and more supplemental retirement income, as well as the option of having lower total premiums if you wish to use the policy cash value to support the internal expenses. Here s How It Works: When you apply for your policy, you choose from the available interest crediting strategies (described on the next page). We then follow a few steps for premium direction, as outlined below. When you make a premium payment, the net premiums go into the Basic Interest Strategy. That money remains in the Basic Interest Strategy until there is enough to cover approximately one year s cost of insurance and other policy charges.* (See back cover) Funds in excess of this amount may then be directed to the other strategies as described below. Funds in the Basic Interest Strategy earn a fixed interest rate determined by the company. PREMIUM DOLLARS (Net of Sales Charges) BASIC INTEREST STRATEGY Excess dollars from the Basic Interest Strategy create interest crediting segments (depending on the strategy or strategies that you choose). Segments are created two times each month when amounts are available from the Basic Interest Strategy. Over time, a policy will likely contain many active interest crediting segments. At the end of each indexed strategy crediting period (and monthly with fixed strategies), interest is applied according to strategy specifications and interest credits, if any, for that period are locked in. CHOOSE FROM SEVEN INTEREST CREDITING STRATEGIES At the end of every segment term (1, 5 or 6 years, depending on the strategy), the segment dollars mature and are placed back into the Basic Interest Strategy, along with any new premium, to begin working for you again. MATURED VALUE 5 6

5 As a leader in indexed life insurance products, we ve created several interest crediting strategies 1 from which to choose: n One-Year Fixed n Five-Year Fixed n One-Year Point-to-Point (five-year term) n One-Year Multi-Index (five-year term) n One-Year Monthly Cap (five-year term) n One-Year Monthly Average (five-year term) n Two-Year Point-to-Point (six-year term) Although an external index may be used to determine interest credited to your policy values, the policy does not directly participate in any stock or equity investments. You are not buying shares of any stock or index. Advantage Builder II IUL simply uses stock market indices as a measuring stick. Any resulting indexlinked credits subject to the limitations of the policy and strategy(ies) chosen are credited to the cash value of the policy. Credits are subject to participation and cap rates. n Interest Rate Guarantee Advantage Builder II IUL provides a guaranteed minimum interest rate of 2%. On the fixed-term strategies, the policy guarantees that the declared interest rate will never be less than 2%. On the indexed strategies, the policy guarantees that the interest credited will never be less than 2% compounded annually over the segment term. The guarantee will be applied at the end of the segment term or upon lapse, surrender or maturity of the policy, whichever occurs first. 2 n Account Value Enhancement Beginning with the 10th policy year, Aviva will credit an annual increase to the Basic Interest Strategy based on the policy year s average monthly account value (excluding outstanding loans and interest under the Annually Declared (Fixed) Loan Interest Option) for that year. The account value enhancement is guaranteed to be 0.5% per year and is credited at the end of the year. For more details about how this indexed life policy works, please talk to your agent and refer to our brochure Understanding Indexed Life. n Other Factors Affecting Interest Crediting Any money removed from an indexed strategy segment during an interest crediting period for any reason (e.g., withdrawal, certain loans, policy surrender, to pay policy charges or expenses, etc.) is not credited with any index-linked interest for such interest crediting period. n Loans and Withdrawals* (See back cover) At any time, you can take a loan from available policy values and choose between a variable loan interest rate or a fixed interest rate. The differences between these two options include how the loan interest is determined and the rate credited to amounts borrowed. Loans will reduce the policy s death benefit and cash values until they are paid back. You can also simply withdraw money from the policy after the first year, which then reduces the death benefit and the cash value by the amount of the withdrawal. Tax consequences and/or surrender charges could also apply. Pro-rata surrender charges are not assessed on the first 20% withdrawn. 1 Strategies may not be available in all states. Dollars in strategies can be redirected at the end of each segment term. 2 In Pennsylvania, the interest credited will never be less than 1% per year and 2% compounded annually over each index strategy segment. The 2% guarantee will be applied at the end of the segment term or upon lapse, surrender or maturity of the policy, whichever occurs first. Our detailed annual statements showing the cash value and death benefit will keep you informed about your policy s performance. 7 8

6 More Options to Enhance Your Policy* You can choose among the following riders and options designed specifically to complement the Advantage Builder II IUL to further help you meet your financial goals, protect your loved ones from uncertainty and potentially improve the overall performance of the policy. FOR THE PRIMARY INSURED Wellness for Life Rider Includes wellness services from Mayo Clinic Health Solutions Live longer, feel better, & SAVE! Aviva s Wellness for Life Program is a unique rider to your life insurance policy that s designed to help you realize the benefits of living a healthy lifestyle. Now, when you purchase life insurance through Aviva, you can elect to add the rider to take advantage of services from Mayo Clinic Health Solutions that may help maintain or improve your health and potentially participate in rewards that reduce the cost of insurance! For more information on this rider contact your Aviva representative. Wellness Program Rewards may be even greater when coupled with the No-Lapse Guarantee Rider. If the NLG is elected on a policy, any Wellness Rewards will count toward NLG premium, in effect reducing the out-ofpocket premium requirement for this rider. (Form 2WFLAJ07-2) It is anticipated that Wellness for Life services will be provided by Mayo Clinic Health Solutions for the life of the Program. But since your life insurance policy may remain in force for many years, it is possible that the provider and/or menu of wellness services may change or be enhanced at some future date. Accelerated Death Benefit Rider Up to 50% of the death benefit (up to a maximum of $250,000) can be withdrawn for expenses related to terminal illness when life expectancy is 12 months or less. There is no additional premium charge for this rider. A processing fee will apply at time of exercise. (Form 2ABRF06) Life Protector Rider** Provides for a paid-up policy when certain policy and policy loan conditions are met. Prevents the policy from lapsing as a result of loan indebtedness. (Form 2PUEBI06) Accidental Death Benefit Rider Death benefit amount is increased in the event of death as a result of an accident. (Form 21024F02) Guaranteed Purchase Option Rider Gives you the option of purchasing additional specified amounts of life insurance, without underwriting, at specified times. (Form 21011F02) Death Benefit Return of Premium Rider Provides an additional, increasing death benefit equal to the premiums paid, accumulated with interest, less withdrawals, if desired. (Form 2ROPBB08) No-Lapse Guarantee Rider + When attached to our Advantage Builder II IUL policy, the No-Lapse Guarantee Rider can provide a guaranteed death benefit for the lifetime of the insured individuals. This rider is designed to keep the policy in force even if the cash surrender value falls to zero, provided the required premiums are paid on a timely basis. You choose the length of guarantee and the corresponding number of premium payments, with lower premiums available based on health. And if your premium payments fall below the level needed to keep the rider in force, the No-Lapse Guarantee enters a five-year restoration period in which premiums can be paid to catch up and restore the rider. When coupled with the Wellness for Life Rider, any Wellness Rewards will count as NLG premium, in effect reducing the out-ofpocket premium requirement for this rider. This valuable rider is available only at the time of policy issue. (Form 2NLEDB08) FOR OTHER INSUREDS Additional Insured Rider Provides term life insurance protection for an additional person. (Form 21052F02) Children s Insurance Rider Provides term life insurance for children of the insured. Issue ages of children are 15 days through 17 years. (Form 2CIBUA09) Primary Insured Rider Provides additional level term insurance protection for the insured. (Form 2PIREBB08) Waiver of Monthly Deduction Rider Monthly insurance costs are waived in the event the insured becomes totally disabled. Not available with the Waiver of Specified Premium Rider. (Form 21042F02) Waiver of Specified Premium Rider Based on a specified amount chosen at the time of application, a monthly premium amount will be credited to your policy beginning after six months * Riders are subject to state availability, certain limitations, and may require additional charges unless otherwise specified. See terms of the rider for full details. ** The tax treatment of this rider, if activated, is not well settled under current law. In particular, it is not clear whether the rider will result in a taxable event at the time it is activated. Anyone contemplating the purchase of the policy with this rider should consult a tax advisor as to the possible tax ramifications associated therewith. + The No-Lapse Guarantee Rider is called the Extended Guarantee Rider in Connecticut and the Death Benefit Guarantee Rider in Illinois. Certain policy changes can void the 9 of total and continuous disability. Not available with the Waiver of Monthly guarantee. See rider form for complete details. Charges for this rider apply. Deduction Rider. (Form 21043F02) 10

Indexed Survivor Universal Life

Indexed Survivor Universal Life Indexed Survivor Universal Life Protecting your estate... 15888 7/10 Indexed Survivor Universal Life Building wealth has always been about more than living the good life. The estate you ve amassed through

More information

Advantage Builder III Indexed Universal Life

Advantage Builder III Indexed Universal Life Advantage Builder III Indexed Universal Life A policy just for you 17537 7/10 A policy just for You At Aviva, we understand your life evolves every day that s how life is. And as you and your unique needs

More information

Aviva s No-Lapse Guarantee Portfolio

Aviva s No-Lapse Guarantee Portfolio We are building insurance around you. Aviva s No-Lapse Guarantee Portfolio Advantage Builder Guarantee UL Solution Agent reference guide 17928 For agent use only. Not for use with the general public 5/11

More information

Aviva s Optional Riders

Aviva s Optional Riders Aviva s Optional Riders Make this your policy We are building insurance around you. SM 17714 8/10 Customize your universal life policy with Aviva s menu of optional riders If you think of your life insurance

More information

Life insurance product portfolio

Life insurance product portfolio Aviva Life and Annuity Company Life insurance product portfolio Welcome Home to Aviva Universal Life Insurance that is built around you. 15440 9/10 Life insurance built for the many stages of life Aviva

More information

Accordia Life Provider IUL Affordable life insurance protection. AIUL2000 (05-14)

Accordia Life Provider IUL Affordable life insurance protection. AIUL2000 (05-14) Accordia Life Provider IUL Affordable life insurance protection. AIUL2000 (05-14) Your financial security is important to you and your family. It is about more than just providing the resources to maintain

More information

Multi Choice. Single Premium Life. Consumer Product Guide 15682 7/10

Multi Choice. Single Premium Life. Consumer Product Guide 15682 7/10 Multi Choice Single Premium Life Consumer Product Guide 15682 7/10 Table of contents Multi Choice Single Premium Life Why MC Single Premium Life 2 SPL checklist 3 How life insurance is different 4-5 Other

More information

Survivorship Builder. An indexed survivorship life policy AS2000 (04-15)

Survivorship Builder. An indexed survivorship life policy AS2000 (04-15) Survivorship Builder An indexed survivorship life policy AS2000 (04-15) Accordia Life believes in the essence of family. Your family may be a traditional one. It may be a group of people who care for

More information

Term. 10, 20 & 30-year level premium Annual Renewal Term (ART) 17656 7/10

Term. 10, 20 & 30-year level premium Annual Renewal Term (ART) 17656 7/10 Term 10, 20 & 30-year level premium Annual Renewal Term (ART) 17656 7/10 At Aviva, we believe insurance doesn t have to cost an arm and a leg. And we realize that just like when it comes to clothing, a

More information

Aviva MultiChoice FreedomPlus S

Aviva MultiChoice FreedomPlus S Aviva MultiChoice FreedomPlus S 80650-S (Rev. 6/09) Saving for retirement just got easier. With all of the choices you have today, saving for retirement can seem complex, challenging, and confusing. At

More information

Guaranteed Protection Universal Life. Discover What s Possible

Guaranteed Protection Universal Life. Discover What s Possible Guaranteed Protection Universal Life Discover What s Possible Guaranteed Protection Universal Life Peace of mind for you, protection for your heirs As the center of a sound financial plan, permanent life

More information

ConsecoLifeOptions SM

ConsecoLifeOptions SM Upside potential with downside protection. ConsecoLifeOptions SM indexed universal life insurance Freedom Choices Flexibility Conseco Insurance Company A life and health insurance company CL-LO-CB ConsecoLifeOptions

More information

flexible life insurance protection enhanced cash value accumulation potential

flexible life insurance protection enhanced cash value accumulation potential AXA Equitable Life Insurance Company Athena Indexed Universal Life SM flexible life insurance protection enhanced cash value accumulation potential your changing protection and financial needs Life never

More information

Accumulation Builder II SM IUL. Protecting your family, building your future. A better way of life

Accumulation Builder II SM IUL. Protecting your family, building your future. A better way of life Accumulation Builder II SM IUL Protecting your family, building your future. A better way of life When you need protection for your family and a foundation for your future. Protection for Today A permanent

More information

Live Today. Secure Tomorrow.

Live Today. Secure Tomorrow. Live Today. Secure Tomorrow. Single Premium Indexed Universal Life Insurance Policy Issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD 12-381 Expecting the Unexpected Just because the

More information

North America Company s Indexed Universal Life Portfolio

North America Company s Indexed Universal Life Portfolio North America Company s Indexed Universal Life Portfolio North American Company s Builder IUL Series plans are indexed universal life insurance products that offer the guarantees and flexibility of universal

More information

A balanced, versatile approach to long-term wealth accumulation

A balanced, versatile approach to long-term wealth accumulation RiverSource Multi-Index universal life insurance RiverSource Life Insurance Company RiverSource Life Insurance Co. of New York A balanced, versatile approach to long-term wealth accumulation 291731 D (3/16)

More information

A Guide to Understanding AmerUs Life s EIL Products

A Guide to Understanding AmerUs Life s EIL Products A Guide to Understanding AmerUs Life s EIL Products REWARD WITHOUT MARKET RISK Introduced in 1995, equity indexed products are relatively new to the financial services world. In their short life span,

More information

CLIENT BROCHURE Nationwide YourLife Indexed UL. Find balance in life

CLIENT BROCHURE Nationwide YourLife Indexed UL. Find balance in life CLIENT BROCHURE Nationwide YourLife Indexed UL Find balance in life Planning for the future may seem stressful these days especially with so much market uncertainty. But it doesn t have to be that way.

More information

Guaranteed solutions. Life and disability income insurance offering security, stability and flexibility.

Guaranteed solutions. Life and disability income insurance offering security, stability and flexibility. Guaranteed solutions Life and disability income insurance offering security, stability and flexibility. 291333 D C (12/10) (9/12) Clients financial priorities change at every life stage. What meets their

More information

PruLife Founders Plus UL

PruLife Founders Plus UL PruLife Founders Plus UL PREPARE FOR THE POSSIBILITIES IN LIFE The Prudential Insurance Company of America 0255027 0255027-00001-00 Ed. 12/2013 Exp. 06/12/2015 A FINANCIAL LEADER FOR OVER 135 YEARS Prudential

More information

Income Preferred Bonus Fixed Indexed Annuity

Income Preferred Bonus Fixed Indexed Annuity Income Preferred Bonus Fixed Indexed Annuity 55542 (03/14) What is a fixed indexed annuity? It is a contract between you and an insurance company. In return for your money, or premium, the insurance company

More information

Builder IUL, Rapid Builder IUL, Guarantee Builder IUL, Survivorship GIUL

Builder IUL, Rapid Builder IUL, Guarantee Builder IUL, Survivorship GIUL Builder IUL, Rapid Builder IUL, Guarantee Builder IUL, Survivorship GIUL North American Company s Indexed Universal Life Insurance Portfolio Marketing Guide Table of Contents Overview 3 Indexed UL Markets

More information

A Technical Guide for Individuals. The Whole Story. Understanding the features and benefits of whole life insurance. Insurance Strategies

A Technical Guide for Individuals. The Whole Story. Understanding the features and benefits of whole life insurance. Insurance Strategies A Technical Guide for Individuals The Whole Story Understanding the features and benefits of whole life insurance Insurance Strategies Contents 1 Insurance for Your Lifetime 3 How Does Whole Life Insurance

More information

Aviva MultiChoice SM Xtra S

Aviva MultiChoice SM Xtra S We are building insurance around you. Aviva MultiChoice SM Xtra S Fixed Indexed Annuity 81143 (Rev. 12/12) What is a fixed indexed annuity? It is a contract between you and an insurance company. In return

More information

A Protection Plan for Future Generations

A Protection Plan for Future Generations A Protection Plan for Future Generations Information on North American Company s Survivorship GIUL Indexed Universal Life Insurance Product Consumer Brochure NAM-1436 11/12 Table of Contents Overview [

More information

PruLife Index Advantage UL

PruLife Index Advantage UL PruLife Index Advantage UL Life insurance protection with a potential cash value growth advantage. Issued by Pruco Life Insurance Company or Pruco Life Insurance Company of New Jersey. 0214196 Ed. 01/2015

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Guaranteed Choice SM Whole Life for Business Guaranteed Choice SM for Business Owners Whole Life There is comfort in predictability There s a certain comfort that comes with knowing

More information

Synergy Global Advantage Gold. Fixed Indexed Universal Life Insurance Consumer Brochure. Distributed by:

Synergy Global Advantage Gold. Fixed Indexed Universal Life Insurance Consumer Brochure. Distributed by: Synergy Global Advantage Gold Fixed Indexed Universal Life Insurance Consumer Brochure Distributed by: ADV 1188 (12-2011) Fidelity & Guaranty Life Insurance Company Rev. 09-2014 14-680 Synergy Global Advantage

More information

ANICO. Indexed Universal Life. A Universal Life Insurance Policy Issued By American National Insurance Company Galveston, TX

ANICO. Indexed Universal Life. A Universal Life Insurance Policy Issued By American National Insurance Company Galveston, TX ANICO Indexed Universal Life A Universal Life Insurance Policy Issued By American National Insurance Company Galveston, TX ANICO Indexed Universal Life Financial security isn t just about growing a nest

More information

Guaranteed to Fit Your Life

Guaranteed to Fit Your Life An Overview Guide for Individuals Guaranteed to Fit Your Life The value of whole life insurance throughout your lifetime Insurance Strategies Contents 1 Whole Life Insurance Basics 2 Insurance That Fits

More information

Description of Employer Cash Flow and Assets

Description of Employer Cash Flow and Assets Description of Employer Cash Flow and Assets SERP Select Account Liability Column 1 Employer Contribution The annual contribution promised by the employer to the key employee. The duration and amount of

More information

Nationwide YourLife Single Premium UL. Client guide. A guaranteed way to make YourLife easier

Nationwide YourLife Single Premium UL. Client guide. A guaranteed way to make YourLife easier Nationwide YourLife Single Premium UL Client guide A guaranteed way to make YourLife easier Create your own legacy You don t need the moon and stars. What you need is a fast and simple way to pass a legacy

More information

Insurance. Survivorship Life. Insurance. The Company You Keep

Insurance. Survivorship Life. Insurance. The Company You Keep Insurance Survivorship Life Insurance The Company You Keep Permanent Life Insurance Protection for Two People You ve built a legacy, but who will be the recipients your heirs or the IRS? 1 Now is the time

More information

We keep our promises.

We keep our promises. We keep our promises. So you can keep yours. It s a selfless act. The decision you make today is for someone else s future. Purchasing life insurance is about more than just planning for the future. It

More information

Survivorship GIUL Indexed Universal Life Insurance

Survivorship GIUL Indexed Universal Life Insurance Survivorship GIUL Indexed Universal Life Insurance Marketing Guide For agent use only. not to be used for consumer solicitation purposes. North American Company s Survivorship GIUL is an indexed universal

More information

YOU CAN OWN? WHY RENT WHEN

YOU CAN OWN? WHY RENT WHEN WHY RENT WHEN YOU CAN OWN? A COMPARISON OF TERM & PERMANENT LIFE INSURANCE This guide helps you understand the differences between term and permanent coverage by comparing them to renting versus owning

More information

Unlocking the value of whole life

Unlocking the value of whole life An Educational Guide for Individuals Unlocking the value of whole life Whole life insurance as a financial asset Insurance Strategies Contents 3 Whole life insurance: A versatile financial asset 4 Providing

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Guaranteed Choice SM Whole Life Guaranteed Choice SM Whole Life for Individuals and Families There is comfort in predictability There s a certain comfort that comes with knowing

More information

FG Guarantee-Platinum. A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee

FG Guarantee-Platinum. A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee ADV 1010 (01-2011) Fidelity & Guaranty Life Insurance Company Rev. 07-2014 12-716

More information

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution Choice SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION CHOICE SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important

More information

PROTECTION PROTECTION SIUL. The pacesetter in affordable, secure protection. For two. CONSUMER GUIDE IM4156CG

PROTECTION PROTECTION SIUL. The pacesetter in affordable, secure protection. For two. CONSUMER GUIDE IM4156CG CONSUMER GUIDE PROTECTION PROTECTION SIUL The pacesetter in affordable, secure protection. For two. IM4156CG JOHN HANCOCK LIFE INSURANCE COMPANY (U.S.A.) JOHN HANCOCK LIFE INSURANCE COMPANY OF NEW YORK

More information

Understanding Annuities

Understanding Annuities Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance

More information

Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control!

Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control! Protection That Offers Selection To Fit Your Lifestyle! More Choices More Control! Consumer Brochure A Flexible Premium Life Insurance Policy with Equity Index Options Policy Form 01-1143-07 and state

More information

Your Guide to ING Indexed Universal Life CV

Your Guide to ING Indexed Universal Life CV Early retirement. Financial security. Expanding your business. Oh, the possibilities. Your Guide to ING Indexed Universal Life CV Issued by Security Life of Denver Insurance Company LIFE Your future. Made

More information

Horizon Universal Life Insurance

Horizon Universal Life Insurance Horizon Universal Life Insurance Discover More In Life 63992 MK3227(0209) TC46323(0209) Experience Life Now you can protect your home, family, business and future all in one policy. If your need is death

More information

PLC.9359 (12.13) UL INDEXED UNIVERSAL LIFE INSURANCE Product Guide Protective Indexed Choice

PLC.9359 (12.13) UL INDEXED UNIVERSAL LIFE INSURANCE Product Guide Protective Indexed Choice PLC.9359 (12.13) SM UL INDEXED UNIVERSAL LIFE INSURANCE Product Guide Protective Indexed Choice You need life insurance to provide financial protection for your loved ones. But you also understand the

More information

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT

The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT The Hartford Saver Solution SM A FIXED INDEX ANNUITY DISCLOSURE STATEMENT THE HARTFORD SAVER SOLUTION SM FIXED INDEX ANNUITY DISCLOSURE STATEMENT This Disclosure Statement provides important information

More information

PLC.6313 (04.14) Understanding Life Insurance

PLC.6313 (04.14) Understanding Life Insurance PLC.6313 (04.14) Understanding Life Insurance Protect Tomorrow. Embrace Today.TM Life Insurance Is About Protection It helps provide security for your loved ones when they need it most. Protecting your

More information

Understanding Indexed Universal Life Insurance

Understanding Indexed Universal Life Insurance Understanding Indexed Universal Life Insurance Consumer Guide Table of Contents Overview [ 2 ] Indexed Universal Life Insurance [ 2 ] What is Indexed Universal Life Insurance? [ 2 ] How North American

More information

Life100 NWL. Life100. A Comprehensive Universal Life Product. NWL Life 100 an easy, affordable way to take care of all your family and business needs

Life100 NWL. Life100. A Comprehensive Universal Life Product. NWL Life 100 an easy, affordable way to take care of all your family and business needs Life100 NWL Life100 Policy Form 01-1121-08 and state variations A Comprehensive Universal Life Product SA-9255.Rev.10.08 NWL Life 100 an easy, affordable way to take care of all your family and business

More information

Income-Tax Free Benefits for Your Heirs and Lifetime Benefits for You. Lifetime Benefits for You

Income-Tax Free Benefits for Your Heirs and Lifetime Benefits for You. Lifetime Benefits for You Indexed Universal Life Insurance 1 Income-Tax Free s for Your Heirs and Lifetime s for You Prepared on August 13, 2013 for by Trusted Advisor Income - 1 Tax Free s for Your Heirs Lifetime s for You Product

More information

Value+ Protector Index Universal Life Insurance

Value+ Protector Index Universal Life Insurance Value+ Protector Index Universal Life Insurance Long-term financial protection and value at a market-leading price PROTECTION VALUE STABILITY ACCESS Help provide security for beneficiaries Receive extended

More information

Understanding fixed index universal life insurance

Understanding fixed index universal life insurance Allianz Life Insurance Company of North America Understanding fixed index universal life insurance Protection, wealth accumulation potential, and tax advantages in one policy M-3959 Understanding fixed

More information

Income when it counts.

Income when it counts. ING Lifetime Income Income when it counts. A single premium deferred fixed annuity income solution issued by ING USA Annuity and Life Insurance Company. Your future. Made easier. Paycheck, salary, livelihood

More information

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES. The face page of the Fixed Deferred Annuity Buyer s Guide shall read as follows:

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES. The face page of the Fixed Deferred Annuity Buyer s Guide shall read as follows: BUYER S GUIDE TO FIXED DEFERRED ANNUITIES The face page of the Fixed Deferred Annuity Buyer s Guide shall read as follows: Prepared by the National Association of Insurance Commissioners The National Association

More information

Flexible protection to help meet a lifetime of needs

Flexible protection to help meet a lifetime of needs TIAA-CREF Life Insurance Company Flexible protection to help meet a lifetime of needs Intelligent Life Universal Life Insurance and Intelligent Life Survivorship Universal Life Insurance Designed to meet

More information

SecurePlus Provider I N D E X E D U N I V E R S A L L I F E

SecurePlus Provider I N D E X E D U N I V E R S A L L I F E SecurePlus Provider I N D E X E D U N I V E R S A L L I F E B U Y E R S G U I D E TC27761(0906) Life is a journey. And while there are many unknowns along the way, you can be prepared. Preparations should

More information

FG Guarantee-Platinum 5 Year Product

FG Guarantee-Platinum 5 Year Product 5 Year Product Applications for the FG Guarantee-Platinum 5 year product must be submitted electronically. Please log on to Saleslink for additional details at https://www.fglife.com. Fidelity & Guaranty

More information

Guaranteed death benefit Guaranteed cash value Guaranteed access. More guarantees, flexibility and choices for whatever life brings.

Guaranteed death benefit Guaranteed cash value Guaranteed access. More guarantees, flexibility and choices for whatever life brings. CONSUMer Guide AG Secure Lifetime GUL SM Flexible premium, adjustable death benefit universal life insurance with secondary guarantee provisions More guarantees, flexibility and choices for whatever life

More information

Understanding Indexed Universal Life Insurance

Understanding Indexed Universal Life Insurance Understanding Indexed Universal Life Insurance Consumer Guide Table of Contents Overview [ 2 ] Indexed Universal Life Insurance [ 2 ] What is Indexed Universal Life Insurance? [ 2 ] How North American

More information

Protective Custom Choice SM UL

Protective Custom Choice SM UL Protective Custom Choice SM UL Product Guide PLC.6311 (11.12) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they would be financially secure,

More information

FG Guarantee-Platinum. A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee

FG Guarantee-Platinum. A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee A Single Premium, Fixed Deferred Annuity with tax-deferred earnings featuring a choice of a 3, 5 or 7-year rate guarantee ADV 1010 (01-2011) Fidelity & Guaranty Life Insurance Company Rev. 07-2014 12-716

More information

Lincoln life insurance portfolio at-a-glance

Lincoln life insurance portfolio at-a-glance Tax-efficiency Guarantees Protection life insurance portfolio at-a-glance Cash flow Growth potential Estate planning Business protection The National Life Insurance Company Not a deposit Not FDIC-insured

More information

Fixed Deferred Annuities

Fixed Deferred Annuities Buyer s Guide to: Fixed Deferred Annuities with Appendix for Equity-Indexed Annuities National Association of Insurance Commissioners 2301 McGee St Suite 800 Kansas City, MO 64108-2604 (816) 842-3600 1999,

More information

Versa-Flex NLG. Guaranteed Protection for an Evolving Legacy. Flexible Premium Universal Life Insurance Client Guide VFNLG-1E

Versa-Flex NLG. Guaranteed Protection for an Evolving Legacy. Flexible Premium Universal Life Insurance Client Guide VFNLG-1E Pacific Life Insurance Company Versa-Flex NLG Flexible Premium Universal Life Insurance Client Guide Guaranteed Protection for an Evolving Legacy VFNLG-1E VERSA-FLEX NLG As Your Life Changes, Your Life

More information

Understanding Life Insurance: A Lesson in Life Insurance

Understanding Life Insurance: A Lesson in Life Insurance Understanding Life : A Lesson in Life If something happens to you, how will your family replace your earning power? Table of Contents Page Your Earning Power 2 Life Questions 3 Types of Term 4 Term Variations

More information

Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals

Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals Secure Lifetime GUL 3 Guaranteed Universal Life Insurance Information for Financial Professionals Our commitment to your clients is stronger than ever before! Policies issued by American General Life Insurance

More information

Understanding Life Insurance: A Lesson in Life Insurance

Understanding Life Insurance: A Lesson in Life Insurance Understanding Life : A Lesson in Life If something happens to you, how will your family replace your earning power? Table of Contents Page Your Earning Power 2 Life Questions 3 Types of Term 4 Term Variations

More information

Whole Life/Ten Payment Whole Life

Whole Life/Ten Payment Whole Life Whole Life/Ten Payment Whole Life Vitus Lau Tel: 510.279.2277 VitusLau@finsvcs.com Whole Life/Ten Payment Whole Life Disclosure: The information provided is not written or intended as tax or legal advice

More information

An Alternative to Roth IRAs When Limits Apply

An Alternative to Roth IRAs When Limits Apply Consumer Material I Index Universal Life Insurance FINANCIAL STRATEGY An Alternative to Roth IRAs When Limits Apply Using Asset Builder Index UL II Sometimes success presents challenges of its own. You

More information

Jump on Board PIA Protector

Jump on Board PIA Protector Jump on Board PIA Protector Flexible Premium Indexed Universal Life Insurance Client Brochure Pacific Life Insurance Company 15-5 1 PIA Protector Jump on Board Just as a single drop of water can become

More information

ANICO Executive Universal Life

ANICO Executive Universal Life ANICO Executive Universal Life Putting The Pieces Together For Life A Universal Life Insurance Product Issued By American National Insurance Company Galveston, TX ANICO Executive Universal Life Putting

More information

Protective Advantage Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14)

Protective Advantage Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14) Protective Advantage Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6315 (07.14) You need life insurance to provide financial protection for your loved ones. But you also understand the importance

More information

QUICK NOTES SUPPLEMENTAL STUDY GUIDE NEW JERSEY

QUICK NOTES SUPPLEMENTAL STUDY GUIDE NEW JERSEY QUICK NOTES SUPPLEMENTAL STUDY GUIDE NEW JERSEY A REVIEW SUPPLEMENT FOR THE NEW JERSEY LIFE, ACCIDENT & HEALTH STATE LICENSING EXAM (April 2016 Edition) What is Insurance Schools Quick Notes Supplemental

More information

HARTFORD LEADERS VUL LEGACY

HARTFORD LEADERS VUL LEGACY HARTFORD LEADERS VUL LEGACY Preserve your legacy with variable universal life insurance Client: Jack Age: 42 Estimated net worth: $750,000 Profession: Warehouse manager His story: Married, three children

More information

Athena Indexed Universal Life sm

Athena Indexed Universal Life sm AXA Equitable Life Insurance Company and MONY Life Insurance Company of America Athena Indexed Universal Life sm Athena Indexed Universal Life SM is a flexible premium universal life insurance policy that

More information

Understanding Life Insurance: A Lesson in Life Insurance

Understanding Life Insurance: A Lesson in Life Insurance Understanding Life Insurance: A Lesson in Life Insurance If something happens to you, how will your family replace your earning power? Table of Contents Page Your Earning Power 2 Life Insurance Questions

More information

Accumulator Variable Universal Life

Accumulator Variable Universal Life Accumulator Variable Universal Life Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Century II Accumulator Variable Universal Life Features at a

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Accumulation Builder Choice SM IUL for Business Accumulation Builder Choice SM Indexed Universal Life for Business Owners Building your path to success As a small business owner,

More information

Understanding Life Insurance

Understanding Life Insurance Understanding Life Insurance A Lesson in Traditional and Indexed Life Insurance 2012 VSA, LP Valid only if used prior to January 1, 2013. The information, general principles and conclusions presented in

More information

Variable Universal Life Accumulator Plus

Variable Universal Life Accumulator Plus Just the facts about New York Life... Variable Universal Life Accumulator Plus Issuing company Issue ages 0-80 Minimum face amount New York Life Insurance and Annuity Corporation (NYLIAC), A Delaware Corporation,

More information

LIFE WHOLE. MetLife Promise Whole LifeSM. life. a foundation for

LIFE WHOLE. MetLife Promise Whole LifeSM. life. a foundation for LIFE WHOLE MetLife Promise Whole LifeSM a foundation for life Life. your way SM Strive to live your dream and plan for the if in life. Discover the flexibility of life insurance protect, accumulate and

More information

UNDERSTANDING INDEXED LIFE INSURANCE

UNDERSTANDING INDEXED LIFE INSURANCE UNDERSTANDING INDEXED LIFE INSURANCE STABILITY WITH UPSIDE POTENTIAL A life insurance purchase is one of the most important investments an individual can make. It can assure that a family s lifestyle will

More information

CHAPTER 8 TAX CONSIDERATIONS

CHAPTER 8 TAX CONSIDERATIONS CHAPTER 8 TAX CONSIDERATIONS Life insurance traditionally has enjoyed favorable tax treatment. The major advantages are (1) the death benefits of a life policy payable to a beneficiary are not subject

More information

There s more to insurance than you expect.

There s more to insurance than you expect. There s more to insurance than you expect. And you can bank on that. Life has a way of throwing things at you, some expected, others not so much. Whatever the case may be and no matter the situation, permanent,

More information

Discover What s Possible

Discover What s Possible Discover What s Possible Whole Life SM Flexible Choice SM Flexible Choice Whole Life for Individuals and Families Life is filled with possibilities As the path of life unfolds, life insurance may be the

More information

Money Stages of Whole Life Your Freedom Guaranteed

Money Stages of Whole Life Your Freedom Guaranteed Money Stages of Whole Life Your Freedom Guaranteed A Consumer Guide for Illustration Understanding Using Guardian Whole Life Paid-Up at Age 121 Whole Life Insurance Permanent life insurance is designed

More information

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES

BUYER S GUIDE TO FIXED DEFERRED ANNUITIES BUYER S GUIDE TO FIXED DEFERRED ANNUITIES Prepared by the National Association of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory

More information

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide

Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide Freedom Global IUL II SM Freedom Index Universal Life II SM Index Universal Life Insurance Offered by WRL Agent Guide AG05113-01/12 Western Reserve Life Assurance Co. of Ohio Thank you for your interest

More information

Permanent Benefit Group Life Insurance Under Code Section 79

Permanent Benefit Group Life Insurance Under Code Section 79 Permanent Benefit Group Life Insurance Under Code Section 79 Expanding the Benefits of Group Life Insurance Advantages of Permanent Benefit Group Life Insurance. Giving employees the option to use cash

More information

A compelling unbeatable package of guarantees and flexibility. Life insurance protection with optionality SM. CONSUMer Guide

A compelling unbeatable package of guarantees and flexibility. Life insurance protection with optionality SM. CONSUMer Guide CONSUMer Guide AG Secure Lifetime GUL with Lifestyle Income Solution SM Flexible premium, adjustable death benefit universal life insurance with secondary guarantee provisions Life insurance protection

More information

Protection for Your Estate

Protection for Your Estate BB9604-07 Principal Survivorship Universal Life Protector II SM Protection for Your Estate Is your legacy protected? You ve built your estate through hard work and smart decisions. Yet, without one final

More information

CONNECTION TO CONTINUE YOUR THE NEXT GENERATION LIVING BY WHAT WE GET, BUT WE MAKE A LIFE BY WHAT WE GIVE. PACIFIC SELECT SURVIVORSHIP VUL

CONNECTION TO CONTINUE YOUR THE NEXT GENERATION LIVING BY WHAT WE GET, BUT WE MAKE A LIFE BY WHAT WE GIVE. PACIFIC SELECT SURVIVORSHIP VUL CONTINUE YOUR CONNECTION TO THE NEXT GENERATION Pacific Life Insurance Company PACIFIC SELECT SURVIVORSHIP VUL Flexible premium last survivor variable universal life insurance with indexed options CLIENT

More information

Pacific PRIME IUL Flexible Premium Indexed Universal Life Insurance

Pacific PRIME IUL Flexible Premium Indexed Universal Life Insurance Pacific PRIME IUL Flexible Premium Indexed Universal Life Insurance Balance Life Insurance Protection with Growth Potential Pacific Life Insurance Company PPIUL-1B page 1 Pacific PRIME IUL Balance Protection

More information