An indexed universal life insurance policy gives the policyholder the opportunity to allocate cash value amounts to either a fixed account or an equity index account.

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Indexed policies offer a variety of popular indexes to choose from, such as the S&P 500.

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

OFFERS

• Flexible death benefit

• Living Benefits

• Flexible premium

• Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.4

• Downside protection through minimum guarantees3 to ensure that your cash value will not decline due to decreases in the Index.