For clients requiring a cash value accumulation product with a low-cost structure and low face amount. Excellent for single-pay and short-pay cases.
Families requiring an inexpensive product for estate planning or wealth transfer – especially if one applicant has poor health.
Ideal for clients requiring affordable long-term coverage with cash value accumulation.
Ideal for clients who desire an extended death benefit guarantee with strong potential for cash value accumulation.
Designed for clients who are retired or thinking about retirement, have between $25,000 and $200,000 ($150,000 for Ages 50-59) of liquid assets not needed for retirement or daily needs and are looking for a flexible and simple solution for passing on a portion of their estate to their beneficiaries.
Ideal for clients looking for affordable long-term guaranteed death benefit protection and are not concerned with cash value accumulation.
Ideal for the middle income market and clients with upward mobility.
For plans requiring early access to cash value including wealth transfer, longevity planning, and business insurance concepts.
For clients interested in longevity planning, buy-sell business planning, and/or passing the family business down while equalizing inheritances.
Clients seeking early cash value accumulation, especially for business insurance plans, protection for outstanding loans and longevity planning.
Designed for high long-term cash value accumulation potential – especially the retirement planning market. May be appropriate for cases with a high funding level.
For clients interested in building an estate, wealth transfer, offsetting estate taxes8, and/or equalizing inheritances.
Clients seeking potential for long-term cash value accumulation for retirement planning and similar needs.