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Policies & Contracts Overview

Life Insurance

Read on to learn more about the features and benefits offered by different types of life insurance policies. If you need support or want to file a claim, please visit Service & Claims

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Term Life Insurance

Term life insurance is a low priced coverage option that lasts a defined period of time. It’s designed to help replace your income if you pass away during your earning years.

  • Death benefit protection1Provides your family stability at the very time they will need it most.
  • Flexible policy lengthsVarying lengths of coverage periods.
  • Affordable rates & paymentsOne of our most affordable types of life insurance.
  • Flexibility to convert to permanent insuranceThe possibility to switch to longer term protection in the future as provided by policy provisions.

Universal Life Insurance

A universal life insurance policy can last up to your lifetime and offers flexible protection and various cash accumulation options.

  • Death benefit protection1Protection for the rest of your life.
  • Built-in flexibility2Increase or decrease your death benefit or premium payments with your changing financial needs.
  • Cash value accumulation optionsCredited interest on the policy’s cash value can be, depending on the policy type, at a fixed rate, tied to the performance of a stock market index, or a combination of both.

Variable Universal Life Insurance

A variable universal life insurance policy is similar to universal life insurance but with different investment options for your cash value.

  • Death benefit protection1Protection for the rest of your life.
  • Built-in flexibility2Increase or decrease your death benefit or premium payments with your changing financial needs.
  • A wide range of investment options3Freedom to decide where to invest your cash value from available investment options. Choose from variable subaccounts, which are similar to mutual funds, or fixed accounts. These options come with higher growth potential, and increased risk.
  • Full market participation3The value of your policy depends on the market performance of your variable subaccounts. Your cash value growth is not limited, but there is also potential to lose value.
Click here for prospectuses and information pertaining to the variable sub-accounts

Whole Life Insurance

A whole life insurance policy offers predictable lifelong protection with a fixed premium and death benefit.

  • Death benefit protection1Protection for the rest of your life.
  • Guaranteed Cash ValueCash value increases regardless of market conditions.
  • Guarantees are subject to the claims-paying ability of the issuing insurance company.
  • Increasing the amount of the death benefit will require additional underwriting. Changes to benefits can have income tax consequences. Consult a tax advisor for additional information.
  • Variable universal life insurance policies carry annual insurance company mortality and expense risk charges, withdrawal charges in the early years, and administrative fees. Individual features may be offered at an additional cost. The values of a variable universal life insurance policy will fluctuate with the investment performance of the underlying subaccounts and may be worth more or less than the original investment. Management fees and/or other expenses also apply on an ongoing basis for each subaccount portfolio available under the policies. Please see the prospectus for more details concerning any applicable fees and each subaccount portfolio’s expense.

    Variable universal life products are long-term investments designed to provide life insurance protection and flexibility in connection with premium payments and death benefits. You should carefully consider the investment objectives, risks, charges, and expenses of the investment alternatives. These policies have limitations and are sold by prospectus only. The prospectus contains details on the investment alternatives, policy features, underlying portfolios, fees, charges, expenses, and other pertinent information. To obtain a prospectus or a copy of the underlying portfolio prospectuses, please click here.