No Lapse Guarantee Universal Life Take Care of Those Who Matter Most

Disclosures

1. Death benefit proceeds from a life insurance policy are generally not included in the gross income of the taxpayer/beneficiary (Internal Revenue Code Section 101(a)(1). There are certain exceptions to this general rule including policies that were transferred for valuable consideration (IRC 101 (a)(2)). This information should not be construed as tax or legal advice. Consult with your tax or legal professional for details and guidelines specific to your situation.

2. The certificate is guaranteed to stay in force until the end of the no lapse guarantee period if: the amount of premium that you pay is at least as great as the no lapse guarantee premium stated in the certificate; the premiums that you pay are received at least as frequently as the interval of no lapse guarantee premium stated in the certificate; no changes are made to the face amount or rating class; no loans or partial surrenders are taken; the certificate has not been reinstated; or no addition or modification of any rider is made.

3. Accelerated Death Benefit Rider: Forms ICC10 8208 3-10, 8208 3-10 (XX), O-8208 3-10 (XX). All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Maximum benefit is the lesser of $250,000 or 65% of death benefit amount available and usually paid in one lump sum. Generally benefits received are income tax free. Consult your tax professional to assess the impact of this benefit.

4. Chronic & Terminal Illness Accelerated Death Benefit Rider: Forms ICC18 8731 4-18, 8731 4-18 (XX). All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Certain eligibility requirements apply. This rider is not long term care insurance, nor is it intended to replace long term care insurance. Maximum benefit for terminal illness is the lesser of $250, 000 or 65% of the death benefit amount available and usually paid in one lump sum. Maximum benefit for chronic illness is the lesser of $250,000 or 50% of the death benefit amount available, subject to the annual per diem limitation declared by the Internal Revenue Service. Payments made under this rider are intended to qualify for favorable tax treatment under the internal revenue code. As with all tax matters, a tax professional should be consulted to assess the impact of this benefit. Not available in CA or MT.

5. These riders are available for an additional fee. All contractual provisions apply and may vary by state. May not be available on all products.
   Accidental Death Benefit Rider: Forms ICC10 8207 3-10, 8207 3-10 (XX), O-8207 1-14 CA, O-8207 3-10 (XX)
   Waiver of Monthly Deduction Rider: Forms ICC10-8206 3-10, 8206 3-10 (XX), O-8206 3-10 (XX), O-8206 1-14 CA

No Lapse Guarantee Universal Life Insurance Certificate Forms: ICC10-8205 3-10, 8205 3-10 (XX), O-8205 3-10 (XX)

All products may not be available in all states.