Covers you for a set amount of time

Some policies have premiums that never increase

The most affordable

Can be converted to whole life with some policy features

Many of the same benefits as whole life

Covers you for life and builds cash value over time

Flexibility to change your coverage amounts3

Control over when and how much you pay

Covers you for your entire life

Can earn you dividends

Builds cash value that's guaranteed to grow over time, even in down markets

Lets you use your policy's cash value for anything, anytime

Many of the same as universal life insurance

Cash account that can be used to pay policy premiums or take withdrawals and loans

Offers higher upside interest crediting based on the performance of an outside stock index such as the S&P 500 Index

Moderately conservative interest-sensitive life insurance product.