What Needs Can Be Met? The primary function of life insurance is to provide death benefit protection. Additionally, these death benefit proceeds can help meet various financial needs in tax-advantaged1 ways:

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• Transfer wealth through estate planning (Note that the death benefit may be included in your estate for Federal estate tax purposes.)
• Continue a business, protect a business, and provide benefits to key executives
• Provide short-term death benefit protection
• Replace lost income in the event of death
• Help supplement retirement income in cases where contributions to a qualified plan are no longer possible

Life insurance policies contain fees and expenses, including cost of insurance, administrative fees, premium loads, surrender charges and other charges, that will impact your policy.

Under Section 101(j) of the Internal Revenue Code, the death benefit of an employer-owned life insurance contract may not be completely federal income tax-free if certain notice and consent rules and other requirements are not fulfilled. In addition, death proceeds may be included in your estate for estate tax purposes. You should consult your tax advisor.

¹Both loans and withdrawals from a permanent life insurance policy may be subject to penalties and fees and, along with any accrued loan interest, will reduce the policy's Account Value and Death Benefit. Depending upon the performance of a VUL policy's investment choices, the Account Value may be worth more or less than the original amount invested in the policy. Assuming a policy is not a Modified Endowment Contract (MEC), loans are free from current Federal taxation and withdrawals are taxed only to the extent that they exceed the policyowner's basis in the policy. Distributions from MECs are subject to Federal income tax to the extent of the gain in the policy and taxable distributions are subject to a 10% additional tax, with certain exceptions.

Variable Universal Life

• Permanent death benefit protection
• Premium flexibility
• Access to policy values through loans and withdrawals²
• Accumulate potential through variable investment options with varying degrees of risk, managed by well-respected money managers.

² Both loans and withdrawals from a permanent life insurance policy may be subject to penalties and fees and, along with any accrued loan interest, will reduce the policy's Account Value and Death Benefit. Depending upon the performance of a VUL policy's investment choices, the Account Value may be worth more or less than the original amount invested in the policy. Assuming a policy is not a Modified Endowment Contract (MEC), loans are free from current Federal taxation and withdrawals are taxed only to the extent that they exceed the policyowner's basis in the policy. Distributions from MECs are subject to Federal income tax to the extent of the gain in the policy and taxable distributions are subject to a 10% additional tax, with certain exceptions.

Term Life

Term life insurance is basic life insurance coverage that provides protection for a specific period of time ('term'). It is a suitable life insurance product if you need short-term death benefit protection and have temporary financial obligations, such as mortgage payments, car payments, or short-term debts. Coverage provides lower premiums for people who cannot afford permanent life insurance premiums. Should you decide you want permanent life insurance, you can convert your policy later on (within certain parameters).

Death Benefit  Provides level death benefit1 that becomes payable only if the insured dies during the term of the policy; it is not guaranteed for the insured's lifetime. Lower Premiums  Generally a way to afford life insurance coverage at less expensive premiums than other types of life insurance because it allows you to purchase higher levels of coverage at a younger age, when your protection need is greatest. However, term premiums may increase with age. Tax Advantage  Upon the death of the insured, the death benefit of a term insurance policy generally passes federal income tax-free1 to the policy's beneficiary. Guaranteed Level  Premium Payments  Level premiums are guaranteed for a pre-determined period of time. You can specify the frequency, often a choice of annual, semiannual, quarterly, or monthly. Renewal and  Conversion Options  Annual renewal at increasing term rates at the end of the original contract period. Some term policies can be converted to permanent insurance (within certain parameters).

¹The death benefit may be included in your estate for federal estate tax purposes.

All guarantees within the policy are based on the claims-paying ability of the issuing company.