Riders

• Long-Term Care Rider: Provides benefits for long-term care services, such as nursing home or in-home care, helping to cover high costs and protect your savings.
• Disability Waiver of Premium Rider: Waives premium payments if you become disabled and unable to work, ensuring your policy remains active without financial strain.
• Accidental Death Benefit Rider: Offers an additional death benefit if death occurs due to an accident, providing extra financial protection for your beneficiaries.
• Child Term Rider: Provides term life insurance coverage for your children, offering financial support for funeral expenses or other costs if a child passes away.
• Guaranteed Insurability Rider: Allows you to purchase additional coverage at specified times without a medical exam, beneficial if your health changes or you need more coverage in the future.

Premium Payment Options

• Single Premium: Pay a lump sum upfront to fully fund the policy, eliminating the need for ongoing premium payments and ideal for those with a large sum to invest.
• Flexible Premium: Adjust your premium payments as needed, increasing or decreasing them based on your financial situation, providing flexibility to manage your budget.
• Level Premium: Pay a consistent amount over time, offering predictability and ease of budgeting, as you know exactly how much you need to pay each period.

Death Benefit Options

• Level Death Benefit: The death benefit remains the same throughout the life of the policy, providing a fixed amount to your beneficiaries and ensuring predictable financial support.
• Increasing Death Benefit: The death benefit increases over time, usually by the amount of the cash value accumulation, offering additional financial protection as your needs grow.

Investment Options (for IUL and VUL)

• Indexed Accounts: Tie the cash value growth to a stock market index, such as the S&P 500, allowing you to benefit from market gains while protecting against market losses through a guaranteed minimum interest rate.
• Sub-Accounts: Invest the cash value in various sub-accounts, similar to mutual funds, providing the potential for significant cash value growth based on the performance of the chosen investments.

Policy Loans and Withdrawals

• Policy Loans: Borrow against the cash value at relatively low interest rates, without requiring credit checks, and repay on flexible terms. Unpaid loans can reduce the death benefit.
• Withdrawals: Withdraw funds from the cash value, providing a source of funds for emergencies, education expenses, or other financial needs. Withdrawals may reduce the cash value and death benefit.