For Today
Responsible planning for your family's needs includes
providing for them in the event of your unexpected loss.

• Living expenses for your family
• Paying off existing debt
• College expenses for your children For tomorrow. Just as
   important is your plan for the future.
• Cash accumulation* for:
• Supplemental income
• Medical expenses
• Family emergencies

Why Universal Life? Simply stated, it's about flexibility and security with tax-deferred growth. Universal Life allows you to have:

• Premium flexibility - Increase or decrease your premiums to fit
your budget without losing valuable coverage (subject to
minimum premium requirements).

• Benefit flexibility - You can increase or decrease your policy face
amount (death benefit) as your lifestyle changes.

• Tax-deferred growth - Interest accumulates in your cash
accumulation* fund on a tax-deferred basis.

• Guaranteed interest - Your
policy earns a guaranteed minimum interest rate of 3.25% (although current interest rates may be higher).

• Permanent insurance - Unlike term insurance, your policy is
permanent and can provide cash accumulation* for emergencies,
to help pay for college, or supplement income.

*Cash accumulation is dependenet upon premiums paid, interest credited, administrative fees and cost of insurance