flexible life insurance protection enhanced cash value accumulation potential

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "flexible life insurance protection enhanced cash value accumulation potential"

Transcription

1 AXA Equitable Life Insurance Company Athena Indexed Universal Life SM flexible life insurance protection enhanced cash value accumulation potential

2 your changing protection and financial needs Life never stands still. And, neither do your financial needs. During your younger years, you may have a compelling need to protect your family from financial hardship should anything happen to you. Or, you may want to protect a business you ve built. As the years roll by, your emphasis may shift from protection to cash accumulation for any one of a number of reasons. You may want to build your dream house, provide for your children s education, or create an additional source of retirement income. Later in life, the thought of leaving a legacy may be uppermost in your mind. How do you best plan for such varied and changing needs? AXA Equitable can show you the way. For more than 150 years, AXA Equitable has been a pioneer in creating innovative financial strategies that help people like you protect their financial well-being and build a sound financial future. And now, AXA Equitable has created another innovative, flexible life insurance policy that can grow with you, your family and your business to help provide the protection and cash accumulation you need in all stages of life. Another innovative financial strategy from AXA Equitable. Table of Contents Introduction 1 From Day One 2 Through the Years 4 In the Future 12 Policy Enhancements 15 The Advantages of Athena Indexed Universal Life SM 16

3 Athena Indexed Universal Life SM a flexible source of protection and cash accumulation Athena Indexed Universal Life SM combines the long-term protection guarantees of a universal life insurance policy with the cash accumulation potential of equity index-linked interest options a blend of benefits vital to your long-term financial strategy: Immediate, Affordable Protection for Your Family or Business The death benefit provided by your Athena Indexed Universal Life SM policy can help preserve your family s quality of life and keep your business running should anything happen to you. Guaranteed Downside Protection with Cash Value Accumulation Potential Athena Indexed Universal Life SM offers interest crediting linked to major market indices, so you can participate in the upside potential (up to a cap) of the equities markets with built-in guaranteed downside protection against declines in the applicable equity indices. Income for Retirement and Other Needs When the time is right, you can access your policy cash value through a tax-favored combination of withdrawals and policy loans. Legacy Planning / Estate Protection Your Athena Indexed Universal Life SM life insurance benefit can help satisfy your estate-tax obligations so you can pass along more of your estate to your loved ones, or provide a legacy for a favorite charity. Ongoing Flexibility Within limits, Athena Indexed Universal Life SM allows you to change your premium payments, the amount of your death benefit (subject to certain requirements), and your index-linked interest option allocations so you can adapt your policy s benefits to life s changes. Guarantees described in this brochure are based on the claims-paying ability of AXA Equitable Life Insurance Company.

4 from day one protection for your family and your business Affordable, Reliable Life Insurance Coverage Life insurance can play a key role in a sound financial plan. As a universal life insurance policy, Athena Indexed Universal Life SM offers affordable coverage, assuring that funds will quickly become available upon the death of the insured person, no matter how soon or unexpectedly that occurs. From the very first day your policy becomes effective, it protects your family or business from the uncertainties we all face in life. Safeguarding Your Family s Standard of Living Think about how your loved ones would fare if anything should happen to you. Would your spouse be able to continue making the rent or mortgage payments, pay for the kids education, and afford the expenses of daily living? Your Athena Indexed Universal Life SM death benefit helps protect those who depend on you after you are gone so that they can continue to maintain their lifestyle. And, with potential cash value accumulation, you can help your family in the future. Athena Indexed Universal Life SM Helping to make sure your family s financial needs are met: Your children s education Mortgage payments and other home costs Expenses of daily living Loan repayment or credit card debt Health insurance and health care costs Funeral expenses Estate preservation 2 from day one

5 Preserving the Value of Your Business by Insuring Yourself, Your Partners, Your Key Employees Life insurance can be a highly effective tool to help protect the value of the business you ve built. Depending on your business needs, you can use your Athena Indexed Universal Life SM policy in a number of ways to guard your enterprise and your family s interests: As a source of funding for a buy-sell agreement, which can ensure that your family receives the full fair-market value of your business interest if you are no longer around to lead the company. As key-person insurance, which can offset the financial impact of losing a key employee. important note Be sure to consult a financial professional to learn how life insurance can be used as part of an overall estate or business continuation plan. For employerowned and business-owned life insurance policies, additional federal income tax rules need to be considered, including employee eligibility and consent, as well as tax reporting requirements. As part of an executive/retirement benefits program for you and your employees, which can heighten your company s attractiveness as an employer. Athena Indexed Universal Life SM offers these benefits, but also cash value accumulation. If you don t use your policy s death benefit for one of these business needs, the cash value can be used to help your business down the road in any number of ways. from day one 3

6 through the years flexibility to meet changing needs Customize Your Premiums Like traditional universal life policies, your Athena Indexed Universal Life SM policy offers premiumpayment flexibility that can help accommodate your life s changing circumstances. In the event that cash flow becomes more limited after you ve paid your initial premium, you may be able to reduce or even skip premium payments, as long as there is enough account value in your policy to pay your policy s monthly deductions. Of course, skipping or reducing premium payments will result in lower cash value accumulation values and could increase the chance your policy could lapse in the future. You can also increase premium payments within specified limits if you wish to make up for premiums you previously reduced or skipped, or if your goal is simply to build cash value more quickly. Increase or Decrease Your Face Amount During your lifetime, your need for insurance protection may change. With Athena Indexed Universal Life SM, you can increase or decrease your policy s Face Amount to accommodate your needs (subject to conditions stated in the policy). Evidence of insurability is necessary for increases and pro rata surrender charges may apply to decreases. Regardless of any change to the policy s Face Amount, Athena Indexed Universal Life SM has a 20-year declining surrender charge. The surrender charge varies by gender, tobaccouser status and the issue age of the Insured. A new tier of surrender charges will apply after a Face Amount increase. Refer to your policy for specific information regarding your surrender charge. Change Your Death Benefit Option For greater flexibility, Athena Indexed Universal Life SM offers a choice of two death benefit options. If you re looking for lower-cost protection, you could choose the Level Death Benefit, which always equals the policy s Face Amount. If you anticipate that your need for protection will grow in the years ahead, you may want to consider the Variable Death Benefit, which is equal to the Face Amount plus the policy s account value. What s more, if your needs change, you may be able to change your death benefit option. Evidence of insurability may be required and other limitations may apply. 4 through the years

7 Guaranteed Downside Protection with an Opportunity for Strong Cash Value Accumulation Targeted Toward Future Income Today s Americans are facing a greater and greater need for future income, particularly for their retirement years. Athena Indexed Universal Life SM can help because, in addition to death benefit protection, it provides a cash value component. Your cash value is based on the amount of premiums you pay, the interest credited to your policy account, and the policy charges deducted. Downside Protection: No Direct Exposure to the Equity Markets While interest credited to portions of your policy account can be based on the upward movement of one or more equity market indices, you have a guaranteed floor that protects your cash value against losses. So, even if the underlying indices fall, your life insurance cash value is safe as the applicable index-linked interest options account with be credited at 0%. Athena Indexed Universal Life SM is not a variable life insurance policy and the policy does not directly participate in any investments underlying the indices, however cost of insurance and other policy charges will still impact your cash value. Upside Potential Based on Indexed Options Athena Indexed Universal Life SM may often credit higher levels of interest than a traditional universal life policy. That s because, with an Athena Indexed Universal Life SM policy, you can choose to base your interest crediting on the movement of equity indices rather than just receiving a fixed rated of interest. Tax-Deferred Cash Value Compounding The interest credited to your policy s cash value is generally free of federal income taxes until it is withdrawn. Due to compounding, as your cash value grows larger, it can potentially continue to grow faster and faster. through the years 5

8 Four Indexed Options to Choose From You Choose Your Allocation With Athena Indexed Universal Life SM, you can choose to have your policy account dollars allocated to any combination of four indexed options where your cash value can grow (up to a cap) based on the movement of major equity indices. Three of the index-linked interest options are structured with one-year maturities and one of the index-linked interest options has a three-year maturity. Restrictions on the amount you can allocate to these options may be applied; however, you will receive notice of any such restrictions. Diversification Four Market-Linked Indexed Options Based on Major Equity Indices The 1-Year S&P 500 Price Return index Index-Linked Interest Option* Based on the Standard & Poor s 500 Price Return index (S&P 500), which tracks the market capitalization (the aggregate price, or value) of the 500 most widely held large-cap U.S. stocks and is generally regarded as the benchmark for broad U.S. stock market performance. The 1-Year Russell 2000 Price Return index Index-Linked Interest Option* Based on the Russell 2000 Price Return index, which is generally regarded as the benchmark for U.S. small-cap funds. Russell 2000 tracks the market capitalization of the 2,000 smallest companies listed on the Russell 3000 index, which includes the 3,000 largest companies in the U.S., based on market capitalization. The 1-Year MSCI EAFE Price Return index Index-Linked Interest Option* Based on the MSCI EAFE Price Return index, which tracks the market capitalization of 22 individual country indices (as of May 2010) in Europe, Australasia and the Far East and is broadly accepted as a benchmark of international equity shares. The 3-Year S&P 500 Price Return index Index-Linked Interest Option*,1 Also based on the Standard & Poor s 500 Price Return index (S&P 500). Note that these indices reflect the movement of stock prices only and do not account for dividends. 1 Not available in New York. 6 through the years

9 Diversification by Market and Time Period Having access to options driven by a number of different equity indices enables you to participate in a greater scope of market opportunities U.S. large-cap stocks, U.S. small-cap stocks, and foreign stocks as well as in the Guaranteed Interest Account, which is discussed below. You can also diversify by time. For each of the 1-year options, you can allocate policy account dollars to new independent one-year time periods called Segments that begin each month. Similarly, in the case of the 3-Year S&P Indexed Option, you can allocate to additional 3-year Segments each month. Money allocated to the index-linked interest options must stay in the Segment for one or three years, depending on the option you choose. Plus the Guaranteed Interest Account In addition to the indexed options, you can place policy cash value in the Guaranteed Interest Account, which credits a rate of interest guaranteed to never be less than 2%. AXA Equitable can declare a higher interest at any time as well as change that declared rate at any time. There are different declared interest rates for the unloaned portion and loaned portion (if any) of the Guaranteed Interest Account. Interest is compounded daily in the Guaranteed Interest Account. through the years 7

10 Guaranteed Downside Protection with Upside Potential Your Interest Credits The Athena Indexed Universal Life SM index-linked interest options can deliver upside potential (up to a cap) based on index movements without all of the potential downside typically associated with equity markets because of the beneficial way the indexed options interest credits are calculated. % X 100% Index Performance Rate Guaranteed Participation Rate 1 Index Performance Rate: 2 Participation Rate Guaranteed to be 100% Point-to-Point Evaluation A simple point-to-point method is used to determine the index performance rate for each indexed option Segment: This is the difference between the index s value at the beginning and end points of the 1-year or 3-year segment, expressed as a percentage increase or decrease. The participation rate is the percentage of the index growth on which your interest credit will be based (subject to the cap and floor described below). With Athena Indexed Universal Life SM, your participation rate is guaranteed to be at least 100%. If market conditions warrant, AXA Equitable reserves the right to raise the participation rate above 100% in the future. 8 through the years

11 Hypothetical Growth Cap up to... 12% $ Interest Credit not less than... 0% Guaranteed Floor 3 Growth Cap 4 Guaranteed Floor: No Negative Performance There is an upward limit on the rate of return an index-linked interest option can credit over each 1-year or 3-year Segment. While AXA Equitable can increase or decrease these growth caps, for new Segments, once the growth cap is set for a specific Segment, it will not change. The growth cap will be set on or before the Segment Start Date. For the 1-year index-linked interest options it is guaranteed to never be lower than 3% and the growth cap for the 3-Year S&P 500 Indexed Option is guaranteed never to be lower than 10%. Your financial professional can give you information on the growth caps that currently apply. If the index of an indexed option loses value over the 1- or 3-year Segment, the interest credit would equal 0% (the guaranteed floor) and the portion of your policy account allocated to the index-linked interest option would not decrease except due to the effect of monthly deductions and any unpaid loan interest. Even More Protection Your policy also offers a 2% annual interest guarantee that is available independent of the performance of the indexed options. (Refer to Policy Enhancements section, page 15, for more details.) through the years 9

12 The Index-Linked Interest Options in Action Here are some hypothetical examples illustrating how the growth caps and guaranteed floors can affect your credited interest. These examples do not attempt to predict actual future values. Examples: Hypothetical Growth Cap = 12% Cap = 12% Cap = 12% 9% 9% Credit 14% 12% Credit If your 1-Year S&P 500 Indexed Option experienced growth of 9% over a 1-year Segment, your interest credit rate would be 9%, since that is lower than the 12% growth cap. If the same indexed option experienced growth of 14%, then the interest credit rate would be limited to the growth cap of 12%. Examples: Guaranteed Floor = 0% 2% 2% Floor = 0% Floor = 0% Credit -4% 0% Credit If your 1-Year Russell 2000 Indexed Option experiences growth of 2% over a 1-year Segment, your interest credit rate would be 2%. If the same index fell 4% over a 1-year segment, your interest credit would be 0%, since the 0% guaranteed floor is greater than -4%. 10 through the years

13 Allocating Dollars to the Index-Linked Interest Options and the Guaranteed Interest Account An Overview Guaranteed Interest Account Athena Holding $ Indexed Universal for Indexed Account Indexed Option B Segment $ Life SM Policy Option B Segment Holding Account for Indexed Option A Segment Indexed Option A Segment $ Premium Allocations You pay premiums into your policy. Based on the instructions you provide, we allocate net premiums in the amount of dollars you ve specified into the Guaranteed Interest Account and into Holding Accounts, each of which is associated with an indexed option you ve chosen. The money in the Holding Accounts (plus interest credited, and less certain deductions such as premium charges) will be transferred into a new Segment of each specified indexed option on the Segment Start Date (generally the 15th of the month), subject to satisfying the requirements necessary to establish a new Segment. Once money is transferred into a Segment, it cannot be transferred out of the Segment until that Segment s Maturity Date. At each Segment Maturity, as long as your policy has remained continuously in force during the Segment term, the Segment s point-to-point index growth is evaluated and we credit interest to the indexed option Segment, subject to the growth cap, participation rate and guaranteed floor. Segment Distribution Allocations You may have the Segment Maturity Value allocated: Into a new Segment of the same indexed option, Into a Segment of one or more of the other indexed options, or Into the Guaranteed Interest Account (the unloaned portion). If allocated to an indexed option at Segment Maturity, the money first goes into the appropriate Holding Account and is then transferred into a new Segment at the next Segment Start Date. 2 If you do not specify maturity allocations, the money will be transferred to the Holding Account for the same indexed option and then transferred into a new Segment at the next Segment Start Date. In order to establish a new Segment, certain requirements must be met as specified in the policy. And remember, you can also transfer money from the Guaranteed Interest Account into new Segments of the indexed options. Money removed from an indexed option Segment before maturity due to policy surrender, lapse or a death benefit payment, is not credited with any interest based on index performance. Money removed due to monthly deductions, withdrawals or loans is credited with interest on a pro rata basis. Partial withdrawals, loan and policy charges are first taken from the Guaranteed Interest Account and any Holding Accounts and thereafter pro rata from any Segments. Amounts in a Segment may not be transferred out of the Segment until the Segment Maturity Date. 2 Subject to certain requirements being satisfied. See your policy for more detailed information. through the years 11

14 in the future income for retirement and other needs As an Athena Indexed Universal Life SM policyholder, you can look forward to the day when your accumulated cash value could help you realize your long-term financial goals. When the time is right, you may be able to conveniently access your cash value free of current income taxes through a combination of withdrawals and policy loans. Athena Indexed Universal Life SM Downside Protection combined with Upside Potential to help you realize your long-term goals: Supplementing your retirement income Funding your children s education Providing financial support to your children or parents Buying a dream house Starting or building a business Paying taxes on withdrawals from qualified plans Traveling and other recreational activities Dealing with unexpected emergencies 12 in the future

15 Partial Withdrawals Potentially Free of Current Income Taxes After the first policy anniversary, you can withdraw money from your policy s net cash surrender value. Under current federal tax rules, withdrawals up to your policy s cost basis (total premiums paid) are generally considered to be a tax-free return of premiums (see Important Tax Notes below). Withdrawing additional amounts would result in taxable income. You should note that surrender charges may apply. Of course, your cash value will be reduced by the amount of any withdrawals you make. And if you ve selected the Variable Death Benefit (Face Amount plus cash value), withdrawals will reduce your death benefit as well. Income-Tax-Free Policy Loans You may take a policy loan up to the net cash surrender value any time after your policy is issued. The loans can be taken free of current income tax as long as certain requirements are met (see Important Tax Notes below). Outstanding loans do accrue interest that is generally not deductible. That interest can, however, be somewhat offset by interest credited on your policy s cash value. In certain circumstances described in the policy, taking a loan may restrict your ability to allocate money to future Segments. important tax notes Under current federal income tax rules, partial withdrawals are generally income-tax-free up to your basis in the policy. Additional withdrawals are includible in income. Different tax rules apply to Modified Endowment Contracts (MECs) and for certain withdrawals during the policy s first 15 years. Loans taken will be free of current income tax as long as the policy remains in force until the Insured s death, does not lapse or mature and is not a MEC. This assumes any loan balance will eventually be repaid with income-tax-free death benefits. Loans and partial withdrawals reduce the policy s death benefit and increase the chances a policy may lapse even if you are in a period of coverage under the No Lapse Guarantee (NLG) Rider (see page 15 for more on the NLG). If the policy lapses, matures, is surrendered or becomes a MEC, any loan balance will be treated as distributed and taxable under general rules for policy distributions, that is, taxable to the extent it exceeds any remaining tax basis in the policy. If a policy is or becomes a MEC, all distributions (including loans) are taxable as ordinary income to the extent of gain in the policy, and may also be subject to an additional 10% premature distribution tax penalty unless the taxpayer is 59½ or older or another exception applies. The IRS places a limit on how much money can go into life insurance premiums and how quickly premiums can be paid in order for the policy to retain all of its tax benefits. One set of limits determines how much premium can be paid into your policy. Another set of limits (7-pay limits), if exceeded, can cause the policy to be deemed a MEC. Changes made to a policy, for example, a decrease in benefits, can impact the tax limits that apply to your policy and its status as a MEC. In some cases this can cause us to take action to assure your policy qualifies as life insurance, including distributions at the time of change or in the future, which may be includible in income. Speak to your financial professional and refer to your policy and illustration for further information before making policy changes or taking any withdrawals and loans. in the future 13

16 Leaving a Legacy for Your Beneficiaries Income-Tax-Free You can use the death benefit of your Athena Indexed Universal Life SM policy to provide legacies to your family members or others you select to be your beneficiaries. These legacies can be paid to your named beneficiaries free of federal income tax. Estate-Tax-Free Your legal and tax advisors can counsel you on how policy ownership may be structured by giving up incident of ownership in the policy so that the proceeds are outside the Insured s or Owner s estate. The policy s death benefit is not subject to probate as long as it is paid to a named beneficiary and not to the estate of the Insured. The death benefit proceeds of your policy can be used to help satisfy your estate tax obligations and thereby maximize the amount of estate assets that benefit your heirs. This may alleviate the necessity of your heirs having to sell a business or precious tangible assets in order to pay estate taxes and other associated costs. Ideal for Charitable Giving You can direct proceeds from your policy to be used as a contribution to your favorite charity. This can enable you to make a larger contribution than might otherwise be possible. And, you can make this gift while assets earmarked for your family members are kept intact. For more details on this, see the Fact Card and talk to your financial professional. 14 in the future

17 policy enhancements riders and endorsements available with Athena Indexed Universal Life SM No two individuals or families have the same needs. That s why AXA Equitable makes available a number of special riders and endorsements that can be used to enhance certain aspects of your Athena Indexed Universal Life SM policy. The No Lapse Guarantee Rider The No Lapse Guarantee (NLG) Rider is automatically included with your Athena Indexed Universal Life SM policy. 3 The NLG guarantees that your policy will not lapse for a period of up to ten years from your policy s register date, depending on the issue age of the Insured. Please note, you must maintain a certain level of premium and meet other criteria to keep the NLG in effect. In addition, withdrawals, policy loans and any accrued loan interest may cause your policy to lapse even if you are in a period of coverage under the NLG. 2% Interest Guarantee Endorsement This endorsement is automatically part of each Athena Indexed Universal Life SM policy, providing an additional source of protection at no further cost. The endorsement provides a minimum accumulation value using an interest rate of 2%. The minimum value, if higher, is used to determine the a) adequacy of your policy value to cover monthly deductions to prevent policy lapse, b) your cash surrender value at full surrender, c) your death benefit and d) amount you have available for a policy loan. A Choice of Optional Policy Riders Depending on your current or anticipated future needs, you can tailor your Athena Indexed Universal Life SM policy by taking advantage of one or more optional policy riders. These riders offer benefits such as: Providing high early cash flow for business planning needs or for minimizing the amount of outside collateral needed for purchasing your policy with premium financing, Preventing the policy from lapsing due to an overloan, or Providing a legacy to a charity. The Fact Card in the back pocket of this brochure as well as your financial professional can provide more information about the optional riders and their costs, and can help you determine which, if any, you may need. 3 The NLG is not included if the Return of Premium Death Benefit Rider (ROPR) is elected. In Illinois, the No Lapse Guarantee Rider is called the Death Benefit Protection Rider. policy enhancements 15

18 Athena Indexed Universal Life SM The advantages you need now, through the years and into the future Immediate, affordable financial protection for your family Federal income-tax-free death benefit Security for your business Downside protection Legacy planning Estate preservation Flexible premiums Choice of death benefit options Flexibility to increase or decrease your Face Amount Tax-deferred cash value accumulation Interest crediting with market-upside participation Potential for partial withdrawals and loans free from current income taxation No Lapse Guarantee Rider An array of other optional riders Talk to your financial professional about how Athena Indexed Universal Life SM can protect what s important to you while it gives you the cash accumulation opportunity of a lifetime. 16 Athena Indexed Universal Life SM

19 A the na ( -the n ) n. In Greek mythology, Athena is the goddess of wisdom, the practical arts and the protectress.

20 Athena Indexed Universal Life SM *S&P, Standard & Poor s, S&P 500 and Standard & Poor s 500 TM are trademarks of Standard & Poor s and have been licensed for use by AXA Equitable. Athena Indexed UL SM is not sponsored, endorsed, sold or promoted by Standard & Poor s and Standard & Poor s does not make any representation regarding the advisability of investing in the product. The Russell 2000 index is a trademark of Russell Investments and has been licensed for use by AXA Equitable. Athena Indexed UL SM is not sponsored, endorsed, sold or promoted by Russell Investments and Russell Investments makes no representation regarding the advisability of investing in the product. The product referred to herein is not sponsored, endorsed, or promoted by MSCI, and MSCI bears no liability with respect to any such product or any index on which such product is based. The policy contains a more detailed description of the limited relationship MSCI has with AXA Equitable and any related products. Please be advised that this brochure is based on our general understanding of federal income tax rules for U.S. individuals and is not intended as legal or tax advice. Accordingly, any tax information provided in this brochure is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed, and you should seek advice based on your particular circumstances from an independent tax advisor. This brochure is not intended to be a complete description of the Athena Indexed Universal Life SM insurance product. Please refer to your actual policy and the policy illustration for more complete details. Athena Indexed Universal Life SM is a flexible premium universal life insurance policy with index-linked interest options. These policies have limitations. Certain types of policies, features and benefits may not be available in all jurisdictions or may be different. For costs and complete details of coverage, contact your financial professional. Athena Indexed Universal Life SM is a service mark of AXA Equitable Life Insurance Company, New York, NY Athena Indexed Universal Life SM is issued by AXA Equitable Life Insurance Company (AXA Equitable), New York, NY, and distributed by AXA Network, LLC and its subsidiaries and AXA Distributors, LLC. AXA Equitable, AXA Network and AXA Distributors are affiliated companies and do not provide tax or legal advice. Policy form #ICC or state variations 2011 AXA Equitable Life Insurance Company. All rights reserved Avenue of the Americas, New York, NY 10104, (212) G26238 GE (2/11) Cat. # (2/11)

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

helping you make sense of your life insurance options

helping you make sense of your life insurance options life insurance helping you make sense of your life insurance options life insurance selection guide Life Insurance Products: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal

More information

life insurance selection guide helping you make sense of your life insurance options

life insurance selection guide helping you make sense of your life insurance options life insurance life insurance selection guide helping you make sense of your life insurance options Life Insurance Products: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal

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

Life Insurance as a Potential Private Source of Cash

Life Insurance as a Potential Private Source of Cash Life Insurance as a Potential Private Source of Cash Planning Perspective Life Insurance Products: Are Not a Deposit of Any Bank Are Not FDIC Insured Are Not Insured by Any Federal Government Agency Are

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

we want to protect and provide for our family

we want to protect and provide for our family life insurance we want to protect and provide for our family BrightLife Protect Survivorship Indexed Universal Life Insurance for Two Life Insurance: Is Not a Deposit of Any Bank Is Not FDIC Insured Is

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

Advantage Builder II ABOUT AVIVA. Consumer product guide

Advantage Builder II ABOUT AVIVA. Consumer product guide 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

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

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

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

Designed for growth. Destined to provide. ULTRA INDEX SM UNIVERSAL LIFE INSURANCE LBL7376-2

Designed for growth. Destined to provide. ULTRA INDEX SM UNIVERSAL LIFE INSURANCE LBL7376-2 Designed for growth. Destined to provide. PRODUCT OVERVIEW ULTRA INDEX SM UNIVERSAL LIFE INSURANCE Designed for growth. Destined to provide. Taking care of your family means more than protecting them.

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, and tax advantages in one policy M-3959 Page of 6 Understanding fixed

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

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

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

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

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

Survivorship index universal life insurance

Survivorship index universal life insurance Elite Survivor Index II Producer Guide Survivorship index universal life insurance Policies issued by American General Life Insurance Company (AGL) and The United States Life Insurance Company in the City

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

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

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

Understanding Indexed Universal Life Insurance A General Educational Overview

Understanding Indexed Universal Life Insurance A General Educational Overview Understanding Indexed Universal Life Insurance The Power To Help You Succeed Steve Guerra Field Vice President Greater Texas RLO Pacific Life Insurance Company 24 Waterway Avenue, Suite 825 The Woodlands,

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

Make your next move Put tax-advantaged protection and growth potential into your future plan

Make your next move Put tax-advantaged protection and growth potential into your future plan Wealth Protection Expertise SM Make your next move Put tax-advantaged protection and growth potential into your future plan LIFE SOLUTIONS Not a deposit Not FDIC-insured May go down in value Not insured

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

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

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

A Protection Plan for Future Generations

A Protection Plan for Future Generations A Protection Plan for Future Generations North American Company s Survivorship GIUL Indexed Universal Life Insurance Consumer Brochure Table of Contents Overview [ 2 ] Why Survivorship Life Insurance?

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

Variable Universal Life Insurance Policy

Variable Universal Life Insurance Policy May 1, 2015 State Farm Life Insurance Company P R O S P E C T U S Variable Universal Life Insurance Policy prospectus PROSPECTUS DATED MAY 1, 2015 INDIVIDUAL FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE

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

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

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

UNDERSTANDING FIXED INDEXED ANNUITIES

UNDERSTANDING FIXED INDEXED ANNUITIES UNDERSTANDING FIXED INDEXED ANNUITIES INTRODUCING FIXED INDEXED ANNUITIES Fixed Indexed Annuities combine the features of Fixed Annuities including tax-deferred interest accumulation, a minimum guaranteed

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

UNIVERSAL LIFE INSURANCE. Flexible permanent protection

UNIVERSAL LIFE INSURANCE. Flexible permanent protection UNIVERSAL LIFE INSURANCE Flexible permanent protection A solution to your financial security needs and goals Universal life insurance from London Life At London Life, we create products to help you meet

More information

supplement your retirement income maintain your lifestyle

supplement your retirement income maintain your lifestyle supplemental income using life insurance supplement your retirement income maintain your lifestyle Investment and Insurance Products: Are Not Deposits of Any Bank Are Not FDIC Insured Are Not Insured By

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

Fact Card. Structured Capital Strategies Series B. important considerations

Fact Card. Structured Capital Strategies Series B. important considerations Structured Capital Strategies Series B Fact Card This document is one part of the Structured Capital Strategies product kit. Please note that this document is intended to be viewed only after reading the

More information

Diversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life

Diversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life Diversified Growth SM Variable Universal Life Protection and accumulation that adjust with your life A better way of life Add to your peace of mind, while adding to your assets You want and need to protect

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

Cost-effective index universal life insurance with upside potential and downside protection

Cost-effective index universal life insurance with upside potential and downside protection Elite Index II Producer Guide Cost-effective index universal life insurance with upside potential and downside protection Policies issued by American General Life Insurance Company (AGL) Security and choice

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

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

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

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

A Story of Guarantees and Financial Versatility

A Story of Guarantees and Financial Versatility A Story of Guarantees and Financial Versatility Whole Life Insurance A Consumer Brochure for Whole Life Understanding Introduction Whole life is a versatile financial product that provides unique benefits

More information

PREMIER LIFE. Maximum Benefits. A Flexible Premium Adjustable Life Insurance Policy

PREMIER LIFE. Maximum Benefits. A Flexible Premium Adjustable Life Insurance Policy Maximum Benefits A Flexible Premium Adjustable Life Insurance Policy Producer Guide Premier Life Catering to Your Clients Appetite For Uncompromising Value and Flexibility. FOR AGENT USE ONLY. NOT FOR

More information

WRL Financial Foundation IUL SM

WRL Financial Foundation IUL SM WRL Financial Foundation IUL SM Index Universal Life Insurance Agent Guide AG06113-07/13 Western Reserve Life Assurance Co. of Ohio Thank you for your interest in the WRL Financial Foundation IUL offered

More information

Understanding the Income Taxation of Life Insurance

Understanding the Income Taxation of Life Insurance A Reference Guide for Individuals and Businesses Understanding the Income Taxation of Life Insurance Answers to Frequently Asked Questions Tax Insights Contents 1 General Questions 4 Non-MEC Policy Questions

More information

Flexible Premium Universal Life Insurance with an Indexed Feature A Life Insurance Illustration

Flexible Premium Universal Life Insurance with an Indexed Feature A Life Insurance Illustration Initial Base Face Amount = $ Total Initial Annual Premium = $ About the Universal Life Insurance Policy Phoenix Simplicity Index Life is a single life flexible premium universal life insurance policy with

More information

Cash value accumulation life insurance

Cash value accumulation life insurance Protection, wealth accumulation, and tax benefits all in one policy Cash value accumulation life insurance Allianz Life Insurance Company of North America M-5249 Page 1 of 12 Uncertainty in life is the

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

Ultra Select Indexed Universal Life Providing Upside Potential with Downside Protection

Ultra Select Indexed Universal Life Providing Upside Potential with Downside Protection IUL Ultra Select Indexed Universal Life Providing Upside Potential with Downside Protection Product issued by National Life Insurance Company 30 % 63931 MK3177(1110) TC58389(1110) Introducing Ultra Select,

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

Indexed Pacific Estate Preserver

Indexed Pacific Estate Preserver Pacific Life Insurance Company Client Guide Unleash the Possibilities in Your Estate Plan Indexed Pacific Estate Preserver Last Survivor Indexed Universal Life Insurance IPEP-1F Unleash the Possibilities

More information

Allianz MasterDex 10 Plus Annuity

Allianz MasterDex 10 Plus Annuity Allianz Life Insurance Company of North America Allianz MasterDex 10 SM Plus Annuity Start building today the life you want tomorrow CB51288-03 Page 1 of 16 Discover the MasterDex 10 Plus SM Annuity from

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

Principal Variable Universal Life Business SM

Principal Variable Universal Life Business SM The Principal Financial Group Principal Variable Universal Life Business SM Flexibility to meet key business market needs. BB11294 Are you meeting your business insurance needs? As a business leader, you

More information

MEMBERS Index Annuity

MEMBERS Index Annuity MEMBERS Index Annuity GUARANTEES, WITH FLEXIBILITY AND UPSIDE POTENTIAL Move confidently into the future 07-0002 REV 09MHC A financial services company serving financial institutions and their clients

More information

Nationwide YourLife Indexed UL. Give clients a balanced life FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC

Nationwide YourLife Indexed UL. Give clients a balanced life FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC advisor GUIDE Nationwide YourLife Indexed UL Give clients a balanced life FOR INSURANCE PROFESSIONAL USE ONLY NOT FOR DISTRIBUTION WITH THE PUBLIC Preparing for the future can be stressful for your clients.

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

Understanding Indexed Universal Life Insurance

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

More information

Implications of Withdrawals and Loans from a Life Insurance Policy

Implications of Withdrawals and Loans from a Life Insurance Policy Implications of Withdrawals and Loans from a Life Insurance Policy Life insurance is frequently structured to provide income that can be used for various needs, such as supplemental retirement income,

More information

The Flexibility of Cash Value Life Insurance

The Flexibility of Cash Value Life Insurance Advanced Markets The Flexibility of Cash Value Life Insurance Beyond Protection With today s focus on value and flexibility, cash value life insurance comes into its own. Beyond its main purpose of death

More information

Allianz Endurance Plus Annuity

Allianz Endurance Plus Annuity Allianz Life Insurance Company of North America Allianz Endurance Plus Annuity A versatile and flexible retirement solution CB59951-03 Page 1 of 16 Discover the Allianz Endurance Plus Annuity. A solid

More information

B1096013NW. Safe Return. a fixed-indexed annuity from Great American Life Insurance Company, a subsidiary of Great American Financial Resources, Inc.

B1096013NW. Safe Return. a fixed-indexed annuity from Great American Life Insurance Company, a subsidiary of Great American Financial Resources, Inc. B1096013NW Safe Return a fixed-indexed annuity from Great American Life Insurance Company, a subsidiary of Great American Financial Resources, Inc. A great American icon: Old Faithful Geyser in Yellowstone

More information

ATHENE Benefit 10 SM Fixed Index Annuity with Enhanced Benefit Rider. Issued by Athene Annuity & Life Assurance Company AN1109 (7-13)

ATHENE Benefit 10 SM Fixed Index Annuity with Enhanced Benefit Rider. Issued by Athene Annuity & Life Assurance Company AN1109 (7-13) ATHENE Benefit 10 SM Fixed Index Annuity with Enhanced Benefit Rider Issued by Athene Annuity & Life Assurance Company AN1109 (7-13) ATHENE Benefit 10 Fixed Index Annuity with Enhanced Benefit Rider A

More information

Allianz MasterDex 5 Plus Annuity

Allianz MasterDex 5 Plus Annuity Allianz Life Insurance Company of North America Allianz MasterDex 5 SM Plus Annuity Make your plans. Then make them happen. CB51261-3 Page 1 of 16 Discover the MasterDex 5 Plus SM Annuity from Allianz.

More information

Pacific Prime IUL. Balance Protection with Global Potential. Flexible Premium Indexed Universal Life Insurance 1. Pacific Life Insurance Company

Pacific Prime IUL. Balance Protection with Global Potential. Flexible Premium Indexed Universal Life Insurance 1. Pacific Life Insurance Company Pacific Prime IUL Flexible Premium Indexed Universal Life Insurance 1 Balance Protection with Global Potential Pacific Life Insurance Company Endnotes on page 10. PPIUL-1A page 1 Pacific PRIME IUL Balance

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

Lincoln New Directions fixed indexed annuity. Protection is a part of its nature. Client Guide

Lincoln New Directions fixed indexed annuity. Protection is a part of its nature. Client Guide Lincoln New Directions fixed indexed annuity Protection is a part of its nature Client Guide Protection is a part of its nature We all want to protect what is important to us that need to protect is a

More information

Life Insurance in Retirement Planning

Life Insurance in Retirement Planning Life Insurance in Retirement Planning HOW PERMANENT LIFE INSURANCE CAN HELP MEET YOUR DEATH BENEFIT NEEDS AND ENHANCE YOUR RETIREMENT. 0251133-00002-00 Did You Know? Many high-income and high-net worth

More information

North American Pillar 13930Z REV 08-12

North American Pillar 13930Z REV 08-12 North American Pillar fixed index annuity 13930Z REV 08-12 North American Pillar Are you looking for ways to manage your future retirement income today so that you can enjoy financial freedom later? North

More information

WealthMax Bonus Life. Provide a Financial Legacy Single Premium Index Life Insurance

WealthMax Bonus Life. Provide a Financial Legacy Single Premium Index Life Insurance WealthMax Bonus Life Provide a Financial Legacy Single Premium Index Life Insurance Are tax-deferral and building a financial legacy important to you? Are you concerned about liquidity to cover expenses

More information

Financial security protection tailored for your lifestyle

Financial security protection tailored for your lifestyle G R E A T - W E S T L I F E U n i v e r s a l l i f e i n s u r a n c e Financial security protection tailored for your lifestyle F A L L 2 0 0 6 G r e a t - W e s t u n i v e r s a l l i f e i n s u

More information

INTEREST ENHANCED DEATH BENEFIT

INTEREST ENHANCED DEATH BENEFIT INTEREST ENHANCED DEATH BENEFIT Guaranteed Growth for Your Loved Ones, Regardless of Market Performance 6/16 50114-16A Optional Benefit with Pacific Life s Fixed Indexed Annuities for New Jersey, Ohio,

More information

plain talk about life insurance

plain talk about life insurance plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well positioned

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

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

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

LIFE INSURANCE. Life Insurance Selector SM Questionnaire. clarifying. life s choices NAME: DATE:

LIFE INSURANCE. Life Insurance Selector SM Questionnaire. clarifying. life s choices NAME: DATE: LIFE INSURANCE Life Insurance Selector SM Questionnaire clarifying life s choices NAME: DATE: I. How Much? Instructions for MetLife s Life Insurance Income Simplifier: Determine your monthly income, the

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

LifeCycle Solution Survivorship Indexed Universal Life Life Changes. Protect It.

LifeCycle Solution Survivorship Indexed Universal Life Life Changes. Protect It. SIUL LifeCycle Solution Survivorship Indexed Universal Life Life Changes. Protect It. Products issued by National Life Insurance Company Life Insurance Company of the Southwest 30 % 64324 MK3517(0511)

More information

Life Insurance Review Using Legacy Advantage SUL Insurance Policy

Life Insurance Review Using Legacy Advantage SUL Insurance Policy Using Legacy Advantage SUL Insurance Policy Supplemental Illustration Prepared by: MetLife Agent 200 Park Ave. New York, NY 10166 Insurance Products: Not A Deposit Not FDIC-Insured Not Insured By Any Federal

More information

Key Person Insurance SALES IDEA. Help protect your business and retain your key employees using Foundation Builder Index UL

Key Person Insurance SALES IDEA. Help protect your business and retain your key employees using Foundation Builder Index UL Producer Material I Index Universal Life Insurance SALES IDEA Key Person Insurance Help protect your business and retain your key employees using Foundation Builder Index UL Protecting your business from

More information

Aim for the Horizon. Security. Growth. Flexibility. Strength. CONSUMER Guide

Aim for the Horizon. Security. Growth. Flexibility. Strength. CONSUMER Guide CONSUMER Guide AG HorizonIndex 9 Annuity AG HorizonIndex 12 Annuity index single-premium deferred annuity with premium bonus, market value adjustment and AG Lifetime Income Builder optional living benefit

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