Disclosures:

Aligned with the S&P 500
Past performance is not indicative of future results. The performance of an Indexed Universal Life (IUL) policy is linked to the S&P 500 index, but it is not directly invested in the index. Returns are subject to caps, participation rates, and other limitations as determined by the insurer. You will not receive dividends from the S&P 500 companies, and the index is used as a benchmark only. All benefits are subject to approval by the issuing carrier and are provided at their discretion.

Cant Lose (0% Floor)
The 0% floor ensures that your cash value will not decrease due to market losses; however, this does not guarantee a positive return. Your account may experience no growth during market downturns, but you will not lose money due to negative market performance. Performance is subject to the insurer’s terms and conditions, including any fees or charges that may apply. All benefits are subject to approval by the issuing carrier and are provided at their discretion.

Tax-Favored Access (Tax-Free access to accumulated cash value)*
Accessing the cash value of an IUL policy may be tax-free if properly structured and used in compliance with IRS guidelines. Loans and withdrawals may reduce the death benefit and cash value, and may be subject to taxes and penalties if not repaid or if the policy lapses. It is important to consult with a tax advisor before taking distributions. All tax benefits and policy terms are subject to approval by the issuing carrier and are provided at their discretion.

Be Your Own Bank (Borrow from yourself all while still earning interest in your account)*
When borrowing against the cash value of your IUL, the policyholder may continue to earn interest on the full cash value, including the amount borrowed, assuming the policy remains in force and there are no outstanding policy loans. However, loans must be repaid with interest to avoid reducing the policy’s cash value or death benefit. Loan interest rates are set by the insurer and are subject to change. All benefits are subject to approval by the issuing carrier and are provided at their discretion.

General Disclaimer:
All benefits, features, and claims associated with this policy, including but not limited to interest rates, access to cash value, and tax advantages, are subject to the approval of the issuing insurance carrier and are provided at their discretion. Terms and conditions may change over time, and the carrier may impose additional requirements or limitations based on their underwriting guidelines and policy terms.