Offer your clients insurance protection, flexibility, and long-term cash buildup. Your clients also have extremely competitive accumulations values.
One optional death benefit provides a level death benefit that equals the initial face amount. The other provides a death benefit equal to the policy’s face amount plus the value of the accumulation value. After the first policy year, your client may change from one death benefit to the other. The policyholder may increase the policy’s specified amount once per policy year.
The policyholder may borrow against the policy’s cash surrender value. After the policy has been in force for 10 years, preferred loans are available for up to 15% of the cash surrender value
