But what happens when life gets interrupted by unexpected events that threaten to derail everything? What if your household loses one income because of death or because of a serious illness or injury? What if you need care for someone suffering from an injury or an illness like Alzheimer’s disease?

  • Income tax-free death benefit for your beneficiaries
  • Potential for tax-deferred accumulation of cash value
  • Tax-free distribution of cash value through loans
  • potential for a guaranteed stream of lifetime income at retirement through the lifetime Income Benefits Rider