Competitive features
- Four diverse Index Accounts and a competitive Fixed Account
- Guaranteed 30 basis point bonus interest crediting starting in policy year 11
- No-Lapse Guarantee of up to 20 years
- Minimum 2% Account Value True-Up starting in policy year 6
Meeting client needs with flexible loan options
- Indexed loans allow cash value to remain in index accounts, which may earn higher interest than the loan’s variable interest rate charges
- Standard loans have a guaranteed “wash loan” provision starting in policy year 11
- Ability to switch between loan options as often as every 12 months
Optional riders
- Accelerated Benefit Rider for chronic and terminal illnesses
- Guaranteed Purchase Option (GPO) Rider
- Overloan Protection Rider
- Waiver of Premium for Total Disability (WPD) Rider
- Children’s Term Life Insurance Rider
- Single Premium Rider
