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Universal Life Insurance (UL) provides death benefit protection, guaranteed minimum interest crediting rates, and flexible options for customizing coverage for your needs.  Depending on your needs, it can offer higher cash value growth with competitive   current interest crediting or lower cost death benefit protection with little to no cash value growth.
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Policy Form #P18UL and S18VEN or ICC18 P18UL and ICC18 S18VEN, based on state of policy issue.
Universal life insurance designed to offer a flexible approach to life and changing needs. Discover death benefit protection with responsive interest crediting potential.Â
PRODUCT RESOURCES:
Client GuidePolicy Form #P18PRUL and S18PRUL or ICC18 P18PRUL and ICC18 S18PRUL, based on state of policy issue.
No-lapse guarantee1 universal life insurance designed for guaranteed death benefit protection at an affordable price. Guarantees from age 90 to lifetime (age 121).
PRODUCT RESOURCES:
Client Guide1 The No-Lapse guarantee universal life, depending on how you structure your policy, has a maximum duration of age 90 to insured’s lifetime (age 121), subject to certain limits. If your net no-lapse guarantee value is zero, the no-lapse feature terminates. If the no-lapse feature terminates, additional premiums would be required to resume the no-lapse guarantee. If policy performance is such that your policy is being maintained solely by the no-lapse guarantee, your policy will not build cash value.
A financial professional must be a properly licensed and appointed life insurance producer to sell life insurance products.
*For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j).
**Riders will likely incur additional charges and are subject to availability, restrictions, and limitations. When considering a rider, request a policy illustration or quote from your life insurance producer to see the rider’s impact on your policy’s values.
ÐÔÊÀ½ç´«Ã½ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
ÐÔÊÀ½ç´«Ã½ reserves the right to change or modify any non-guaranteed or current elements. The right to modify these elements is not limited to a specific time or reason.
ÐÔÊÀ½ç´«Ã½, its affiliates, their distributors and respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.
ÐÔÊÀ½ç´«Ã½ is licensed to issue insurance products in all states except New York. Product/material availability and features may vary by state.
Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.
Life Insurance is subject to underwriting and approval of the application and will incur monthly policy charges.
The home office for ÐÔÊÀ½ç´«Ã½ is located in Omaha, Nebraska.
Investment and Insurance Products: Not a Deposit • Not Insured by any Federal Government Agency • Not FDIC Insured • No Bank Guarantee • May Lose Value
This material may not be used in Mississippi and Nevada.
18-154C