Term life products
Our term life insurance products offer your clients affordable premiums, a choice of guarantee periods and the ability to convert to a permanent product in the future.
Advantage Elite Select Term
Our Advantage Elite Select term life product meets your clients’ term life protection needs with affordable premiums and a choice of five guarantee periods. An Extended Conversion Agreement lets clients lock in insurability while having the option to convert to permanent life insurance protection in the future. Advantage Elite Select is available in 5, 10, 15, 20, 30 level term years.
Convertible Annual Renewable Term
Convertible Annual Renewable Term (CART) and CART Second Death (CART-SD) products are designed for people who want low-cost life insurance with annual renewable premiums for up to ten years. These products can lock in insurability for your clients seeking coverage that is more robust and allow them to convert when the time is right.
Our fixed-interest life insurance products offer lifetime protection along with tax-advantaged cash value growth and stability through fixed interest crediting. Our products are designed to allow your clients to focus on protection or accumulation.
Secure Accumulator Whole Life1
An accumulation-focused participating whole life policy that provides guaranteed death benefit protection along with multiple dividend2 options for cash value accumulation for individual wealth accumulation, estate planning and supplemental retirement income.
Secure Protector Whole Life
A protection-focused participating whole life policy that offers a lifetime of guaranteed protection with premiums that will never increase. Its multiple dividend2 options will provide your clients with cash value that offers further flexibility.
Accumulator Universal Life
Appeals to individuals and business clients who want stable cash value growth with no investment risk and flexible premium payments. Accumulator UL can be a great option for pre-retirement individuals who seek stability and flexibility for retirement.
CareShield® Universal Life
Combines a universal life insurance policy with a guaranteed death benefit and built-in living benefits for chronic and terminal illness.
1. Secure Accumulator Whole Life is not available for sale in the state of New York.
2. Dividends are not guaranteed and may vary based on the actual experience of mortality, expenses and investments.
CareShield Universal Life may not cover all of the costs associated with chronic or terminal illness. This product is generally not subject to health insurance requirements, and does not provide long-term care insurance subject to state long-term care insurance law. This product is not a state-approved Partnership for Long Term Care Program product, and is not a Medicare Supplement policy. Receipt of chronic or terminal illness benefit payments under this product may adversely affect eligibility for Medicaid or other government benefits or entitlements.
Indexed universal life
Indexed universal life products
Indexed universal life (IUL) insurance policies provide lifetime death benefit protection along with tax-advantaged cash value growth tied to changes in an underlying index.3 They allow for higher crediting potential than fixed-interest policies, while also protecting clients from negative earnings.
Offers two uncapped indexed account options to maximize crediting potential4 along with the latest innovations in technology and product design to make the life insurance journey faster and easier. Orion IUL appeals to individuals who want lifetime death benefit protection, flexibility and strong cash value growth potential.
Provides competitive index crediting options for accumulation-focused clients. Eclipse IUL appeals to clients who desire death benefit protection and want to accumulate funds for supplemental retirement income, college tuition, a new home or other goals with downside protection.
Omega Builder IUL
An accumulation-focused product that offers options for how the death benefit is paid to your clients' beneficiaries, Omega Builder IUL appeals to clients who want to build cash value but are uncomfortable investing directly in the market — someone looking for both death benefit protection and accumulation potential.
Eclipse Protector IUL
Brings an indexed crediting option to the protection-focused market. Eclipse Protector IUL appeals to clients who desire premiums that fit within their budget and a policy that provides guaranteed death benefit protection and tax-advantaged cash value.
3. All indexed accounts available with the Indexed Universal Life Series employ a point-to-point interest crediting method with one-year index segments – except where noted – established monthly. Interest credits for any index segment may range from a minimum (0% or 1%) up to the maximum (which may be unlimited for some accounts) for that segment. These policies guarantee that the total interest credited over the life of the policies will not be less than a 2.00% effective annual interest rate.
4. Uncapped indexed account participation rates are subject to change and may be less than 100%. This could have the impact of the indexed account credit being less than the change in the reference index.
The Indexed Universal Life Series is designed first and foremost to provide life insurance protection. While the interest crediting options are attractive for cash accumulation, the product should always be promoted to first meet the death benefit needs of families and businesses with cash accumulation as a secondary benefit. One cannot invest in an index.
Survivorship life insurance products
Survivorship policies cover two people with one death benefit payable after the death of the second insured. These policies are ideal for couples wishing to leave a legacy for their heirs and include estate-planning solutions to help them protect their legacies.
Our survivorship products are indexed universal life policies, allowing for higher crediting5 potential than fixed-interest products, providing more flexibility for clients’ changing needs.
Eclipse Survivor IUL
Provides couples death benefit protection and potential for strong cash value accumulation through five indexed account options.6
Eclipse Survivor Pro IUL
Offers flexible premiums that fit within clients’ budgets. Designed to protect against estate taxes, Eclipse Survivor Pro IUL may be right choice for couples seeking competitively priced, guaranteed lifetime protection with the potential to benefit from positive indexed account changes.
5. All indexed accounts available with the Indexed Universal Life Series employ a point-to-point interest crediting method with one-year index segments – except where noted – established monthly. Interest credits for any index segment may range from a minimum (0% or 1%) up to the maximum (which may be unlimited for some accounts) for that segment. These policies guarantee that the total interest credited over the life of the policies will not be less than a 2.00% effective annual interest rate.
6. Only four indexed account options available in New York.
Variable universal life
Variable universal life insurance products
Variable universal life insurance policies offer subaccount choices that allow clients to invest directly in the market – providing unlimited growth potential with added investment risk.
An accumulation-focused variable universal life product that offers death benefit protection along with more than 40 subaccount choices – including six managed volatility portfolios – that allow clients to invest directly in the market and provide unlimited growth potential along with investment risk.
A protection-focused variable universal life product that was designed to provide one of the most competitive lifetime guaranteed death benefits in the market today. VUL Defender offers the Death Benefit Guarantee Flex Agreement (DBGA Flex) which may potentially lower the cost and lengthen the guarantee of the policy.
You should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information. You may obtain a copy of the prospectus from your representative. Please read the prospectuses carefully before investing.
Variable life insurance products contain fees, such as management fees, fund expenses, distribution fees and mortality and expense charges (which may increase over time). The variable investment options are subject to market risk, including loss of principal.
Additional agreements may be available. Agreements may be subject to additional costs and restrictions. Agreements may not be available in all states or may exist under a different name in various states and may not be available in combination with other agreements.