• A tax-free death benefit, paid immediately to your beneficiary without passing through probate.
• A source of supplemental retirement income
• Tax-deferred accumulation of cash values
• Accelerated death benefit. This benefit provides a way to receive a portion of your death benefit prior to your death, if you become terminally ill. (Form ACC91) (Not available in all states).

Tax Notes: Proceeds from an insurance policy paid because of the death of the insured are generally excludable from the beneficiary's gross income for tax purposes. (IRC Sec. 101(a)(1).) Income and growth on accumulated cash values have been held by the Tax Court to be generally taxable only upon withdrawal. (IRC Sec. 72.). Policy loans from life insurance polices (assumes non-modified endowment contract) generally are not treated as distributions or subject to income tax (IRC Sec. 7702). Consult your tax adviser or attorney on your specific situation. State Specific Information: A two-year suicide provision is included in policies (one year in Colorado and North Dakota). If a policyholder commits suicide during the first two policy years, only a refund of premiums will be made. (Missouri requires coverage for acts of suicide, unless it can be proven that the insured intended suicide at the time the application was completed). The foregoing is neither a contract nor an offer to contract, but is a general description of benefits available under a policy providing the benefits outlined. The exact provisions, terms and conditions of the contract are set forth in detail in any such policy as may be issued.

Financial Objectives

• Providing for the ongoing living expenses of family members in the event of a breadwinner's death
• Making sure a child's dream of a college education will come true
• Making sure your home is paid for and that you and your family get to live there for as long as you want
• Money at retirement to do the things you've always wanted to do

Goals

We believe an ideal financial strategy should:

• Be self completing
• Allow you to make flexible payments over the years
• Grow steadily and dependably at a competitive rate of interest, comparable to or better than certificates of deposit
• Grow tax-deferred
• Minimize the amount of taxes you pay and maximize the dollars that stay in your pocket and the pockets of your family members.