plus Greater Control
1 Accessing cash values may affect the continuation guarantee.
2 Internal Revenue Code Section 1035 and associated rules are complex in nature. The policy owner may incur surrender charges from the previous policy and be subject to new sales and surrender charges, as well as other limitations with the new policy. It is highly recommended that the policy owner consult a tax advisor prior to exchanging a policy.
Guarantees are backed by the claims-paying ability of the issuing insurance company. Subject to the policy’s terms and conditions. Partial withdrawals or loans will reduce the death benefit and cash value and could reduce the duration of coverage. Partial withdrawals may be taxed as regular earnings. Policy owners should consult a tax advisor to determine if a transaction is a taxable event. This product is not available in the state of New York. Policy form numbers 13239, ICC-13-13239; Rider Forms 11990, ICC-1990, 01904.