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Innovative products

Continuous improvement is business as usual

With more than a century of expertise to draw from and a focus squarely on the future, we’re always looking for ways to bring new and quality solutions to the marketplace – including features that can evolve to meet client needs.

Life insurance and hybrid life/long-term care


We created a new type of life insurance

We introduced adjustable life insurance products into the marketplace. We followed up on this advancement by being one of the first to pay an index crediting bonus to clients, and the first company to offer a corporate early values agreement on an indexed universal life product – just to name a few of our many past innovations.


Our products are designed to put clients first

We built our hybrid life/long-term care permanent life insurance policy because we understand clients want benefits, not hassle. Our product provides clients with a cash indemnity benefit for long-term care, so they can choose the care they want. No fine print, no restrictions.

The chronic illness conversion agreement available with our term life insurance policies is rare in the industry, helping clients to lock in their insurability while they are younger and potentially healthier. It allows clients to add chronic illness coverage to their permanent policy without additional underwriting at the time of conversion.



We were on the forefront of the variable product revolution

Seeing the value provided to clients by combining the investment potential of variable subaccounts with the insurance features of an annuity product, we became a very early player in the variable annuity space – with both deferred and immediate variable product offerings.


We have a unique solution for a common dilemma

Our SecureLink Chronic Illness Access fixed indexed annuity with automatically issued Accelerated Death Benefit Rider brings something new and valuable to the annuity marketplace. It gives clients the flexibility and power to protect their families in the event of chronic or terminal illness. We’ve eliminated the underwriting, making it easy for financial professionals and clients.1

Our annuity product suite meets nearly any need

Our product offerings have grown over time, and currently include a complete suite of products and optional benefits designed to meet clients’ needs no matter their retirement time horizon or risk tolerance level.

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Learn more about our current offerings

Family of four people

Life insurance

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Hybrid life/long-term care and chronic illness

1. An individual may not purchase this annuity if they are currently in a nursing home, skilled nursing facility or unable to perform any one of the six Activities of Daily Living.

An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax-deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to non-qualified distributions. Please consult a tax advisor for specific information.  There are charges and expenses associated with annuities, such as deferred sales charges for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk, administrative charges, investment management fees and rider fees. Variable sub accounts of annuities are subject to market fluctuation, investment risk and loss of principal.

The SecureLink Chronic Illness Access fixed indexed annuity and Accelerated Death Benefit are not long-term care insurance. They are not a qualified benefit under the Internal Revenue Code. An individual may not purchase this annuity if they are currently in a nursing home, skilled nursing facility or unable to perform any one of the six ADLs. The Accelerated Death Benefit is automatically included in every contract and provides an option to accelerate death benefit proceeds in the event that the owner becomes chronically or terminally ill.

Please keep in mind that the primary reason to purchase  life insurance product is the death benefit.

Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and these policies may contain restrictions, such as surrender periods. Policyholders could lose money in these products.

Insurance policy guarantees are subject to the claims-paying ability of the issuing life insurance company. Some products and optional features may not be available in all states and features may vary by state. 

For financial professional use only. Not for use with the public. This material may not be reproduced in any form where it is accessible to the general public.

DOFU 8-2023