We offer life insurance policies designed with more flexibility, more protection, and more ways to support you while you are living.
Many of the policies we offer include living benefits at no additional charge. These benefits may allow a portion of the death benefit to be accelerated when qualifying conditions occur.
Availability, definitions, qualifying conditions, benefit amounts, exclusions, and eligibility requirements vary by policy and contract. Benefits are subject to the applicable policy and rider terms.
Depending on the policy, riders can provide additional protection, flexibility, income options, and planning opportunities.
Provides the potential for a stream of income for life, subject to the rider requirements, election provisions, and policy terms.
Guarantees are subject to the rider requirements, policy terms, and claims-paying ability of the issuing insurance company.
Can waive a portion or all of applicable surrender charges and may be useful in certain business-planning strategies, subject to the rider and policy terms.
Whether any surrender charges are waived depends on the applicable rider and policy terms.
Designed to help keep a policy in force for a selected period when the policy owner satisfies the required cumulative monthly guaranteed premium over that period, subject to the rider terms.
Withdrawals and policy debt can affect eligibility and policy performance. Specific requirements apply.
Designed for younger insurance buyers who anticipate needing additional coverage later. The rider can provide annual increases in the policy's face amount by a pre-selected amount without additional underwriting, subject to eligibility and rider terms.
Can provide additional death benefit protection without significantly increasing the cost, subject to the policy and rider terms.
Life insurance is not always just about protecting one person. Sometimes the people who depend on you, work beside you, or build the business with you need protection too.
UP TO 5
PEOPLE
Can include the primary insured plus eligible spouse, children, business partners, employees, or other eligible relationships.
UP TO 3X
ADDITIONAL COVERAGE
Additional term insurance coverage up to a maximum of three times the total face amount at issue, subject to the rider terms.
20 OR 30
YEARS
Available level-term periods, subject to policy and rider provisions.
Coverage can be structured using 20-year or 30-year level term periods, giving families and business owners an opportunity to address multiple protection needs within one overall strategy.
For a family, that could mean extending protection to a spouse or children.
For a business owner, it could mean considering protection for business partners or key employees.
The goal is simple: identify the people whose loss could create a financial impact, then build protection around the relationships that matter most.
The Combo MultiChoice Term Rider comes with Accelerated Benefit Riders, except the Premium Chronic Care Rider, that may allow qualifying benefits to be accelerated in the event of terminal illness, chronic illness, critical illness, critical injury, or a qualifying diagnosis of Alzheimer's disease or Lewy Body Dementia.
The Premium Chronic Care Rider is a separate, optional rider that is not included here and requires an additional cost. These benefits are subject to the applicable policy and rider terms, conditions, eligibility requirements, and exclusions.
Coverage under the rider may be convertible to a new permanent policy on the life of each eligible insured without evidence of insurability while the rider is in force and before the applicable final conversion date, subject to the rider terms.
Conversion is available on the life of each eligible insured while the rider remains in force and before the applicable final conversion date for that insured. The final conversion date and any age limits are set by the rider and the policy.
A new permanent policy issued through conversion is subject to the terms, rates, and conditions in effect for the new policy. Conversion does not create a right to any particular premium, benefit amount, or policy design.
The complete conversion provisions are set out in the rider and the policy contract, which govern.
The Children's Term Rider can provide term coverage for eligible children up to $25,000. Coverage may be convertible according to the rider's terms, with conversion availability of up to six times the rider face amount and a maximum of $150,000.
$25,000
Term coverage per eligible child
$150,000
Maximum conversion amount
Conversion is subject to the rider terms and applicable requirements. Coverage amounts, availability, and eligibility vary by policy and state.
The Extended Hospital Stay Death Benefit Rider can provide an additional $5,000 death benefit if the insured's death occurs while confined to a hospital for at least 20 consecutive days, subject to the rider's conditions.
The qualifying confinement must begin at least one year after the policy's date of issue.
The Premium Chronic Care Rider can accelerate the death benefit without discounting, subject to the rider requirements and policy terms.
This rider is optional, carries an additional cost, and is not available with the Gap Protection Rider.
This rider is separate from the living benefits that are built into applicable policies at no additional charge. The two are distinct features with different costs and terms.
Living benefits
Built into applicable policies at no additional charge.
May accelerate a portion of the death benefit when qualifying conditions occur, subject to applicable terms and requirements.
Optional riders
Additional policy features that may be selected when available and appropriate. Some optional riders may involve an additional cost.
Policy-specific features
Certain policies may also offer distinctive features involving interest-crediting options, bonuses, income benefits, surrender-charge provisions, additional protection, and future coverage options.
The goal is not to build the longest list of riders. It is to build the right policy for the person, the purpose, and the stage of life.
A strong policy review should consider:
Ask what it can do while you are living.
Bring your existing coverage and your questions. We will walk through which features may be available to you, what they cost, and which ones actually address the risks you are carrying.
Important disclosures
Riders, benefits, charges, limitations, exclusions, eligibility requirements, and availability vary by policy, carrier, state, and individual circumstances. Living benefits are available on applicable policies at no additional charge and are subject to the terms, conditions, and requirements of the applicable policy or rider. Benefits may accelerate a portion of the death benefit and may be discounted depending on the applicable benefit. Guarantees are subject to the claims-paying ability of the issuing insurance company. Indexed interest crediting does not represent a direct investment in an index. Policy loans and withdrawals may reduce cash value and death benefit and may have tax consequences if the policy is not maintained according to its terms. This page is for educational purposes and does not replace the policy contract or rider documents.
