| For the Death Benefit: |
- To replace earning power at death
- To pay for cash needs that arise at death
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| As a Disciplined Savings Program*: |
- To help pay for educational costs
- To supplement retirement income
- To take advantage of business opportunities
- For financial emergencies
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| Because of the Risk of Waiting: |
- To replace earning power at death
- To pay for cash needs that arise at death
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| For the Tax Advantages: |
- Death proceeds are received free of income tax
- Cash value accumulations are tax deferred
- Cash value loans or withdrawals* are free of tax, as long as the policy stays in force
- Accelerated death benefits are received free of income tax
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| In Recognition of Personal Responsibility to: |
- Family
- Banker
- Mortgage company
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| For the Flexibility: |
- Benefits may be available regardless of whether the policyowner lives, quits, dies or becomes disabled
- Life insurance is portable; benefits are not lost due to job changes
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| * Withdrawals and loans will reduce the policy’s death benefit and cash value available for use. |