May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

Increasing the death benefit may be subject to additional underwriting approval.

OFFERS
• Flexible death benefit

• Flexible premium

• Cash value grows based on an interest crediting strategy that is tied to changes in a market index such as the S&P 500.4

• Downside protection through minimum guarantees3 to ensure that your cash value will not decline due to decreases in the Index.

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