Indexed universal life insurance is for people who need lifetime protection, flexible features and potential cash value accumulation to help meet their financial needs for the future.

IUL could be the right policy for you if you want:

• Potential for lifetime death benefit coverage
• Cash value accumulation potential based on the performance of at least one market index (excluding dividends and subject to caps and floors)
• Flexible death benefits and premium payments

You will have a choice of two interest accounts which work together to help you build cash value. For an IUL, the potential cash value accumulation is based on changes in one or more stock market indices, subject to caps and floors. When the market does well, so does your policy. Over the life of the policy, this could mean more cash value.

Choice 1 — Fixed Account

Any premium allocated to the Fixed Account earns interest at a specific rate.

Choice 2 — Indexed Account

The Indexed Account credits interest to your policy based on positive performance of a specific index, giving you a greater opportunity to build cash value, subject to caps and floors.