Universal Life Insurance
Guarantees and protections are subject to the claim’s paying ability of the issuing life insurance company. They do not apply to the investment performance or safety of the underlying investment options. Variable products are sold by prospectus. You can obtain the product prospectus and underlying fund prospectuses by contacting the insurance company. Before you invest, you should read the prospectus carefully and consider investment objectives, risks, charges, and expenses. The product prospectus and underlying fund prospectus contain this and other important information. Indexed universal life insurance policies are not stock market investments, do not directly participate in any stock or equity investments, do not receive dividend or capital gains participation. Past performance of an index is no indication of future crediting rates. Taking money from your policy immediately reduces both the cash value and the death benefit payable and can cause the need for more premiums to be paid into the policy in the future. You should always take care to ensure that your life insurance needs continue to be met over time subsequent to taking cash from your policy.