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Most people want to accomplish one or more of these financial objectives:


        • Income replacement - Providing for the ongoing living expenses of family members in the event of a breadwinner's death
        • College funding - Making sure a child's dream of a college education will come true
        • Home ownership - Making sure your home is paid for and that you and your family get to live there for as long as you want
        • A comfortable retirement income - Money at retirement to do the things you've always wanted to do


What strategy can enable you to accomplish your goals? An ideal financial strategy should:


  • Be self-completing

  • Allow you to make flexible contributions over the years
  • Grow steadily and dependably at a competitive rate of interest.
  • Grow tax-deferred
  • Minimize the amount of taxes you pay and maximize the dollars that stay in your pocket and the pockets of your family members.


Universal Life - Individually crafted to make your vision a reality

Universal Life, a permanent life insurance policy, can be an ideal solution to your most important concerns. It offers the following important features:


  • Generally, a tax-free death benefit, paid immediately to your beneficiary without passing through probate.
  • "Preferred" policy loans. This policy provision can make your life insurance program dramatically more valuable as a lifelong financial asset. For example, with proper planning, preferred loans can provide an interest-favored, tax-free stream of retirement income to you.
  • Access. Available cash in the policy means you'll be able to obtain money by making a policy loan to meet emergencies or anticipated needs, such as college tuition, or supplement retirement income. Any amount of unpaid policy debt will reduce the proceeds payable at death.
  • Tax-deferred accumulation.
  • Financial privacy. Life insurance is not a matter of public record. Your beneficiary will receive the death benefit discreetly upon your death.





Tax Notes: Proceeds from an insurance policy paid because of the death of the insured are generally excludable from the beneficiary's gross income for tax purposes. (IRC Sec. 101(a)(1).) Income and growth on accumulated cash values have been held by the Tax Court to be generally taxable only upon withdrawal. (IRC Sec. 72.). Policy loans from life insurance polices (assumes non-modified endowment contract) generally are not treated as distributions or subject to income tax (IRC Sec. 7702). Consult your tax advisor or attorney on your specific situation.


State Specific Information: A two-year suicide provision is included in policies (one year in Colorado and North Dakota). If a policyholder commits suicide during the first two policy years, only a refund of premiums will be made. (Missouri requires coverage for acts of suicide, unless it can be proven that the insured intended suicide at the time the application was completed).


The foregoing is neither a contract nor an offer to contract, but is a general description of benefits available under a policy providing the benefits outlined. The exact provisions, terms and conditions of the contract are set forth in detail in any such policy as may be issued.