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FFIUL

The Product

TermDefinition
Your Benefit PROTECTION is A FEDERAL INCOME TAX-FREE DEATH BENEFIT
You get GROWTH POTENTIAL with 2 INDEX ACCOUNT OPTIONS GLOBAL INDEX ACCOUNT AND S&P 500 INDEX ACCOUNT
It GUARANTEES you A GUARANTEED MINIMUM INTEREST RATE OR "FLOOR"
It has 4 TAX FREE ADVANTAGES TAX-FREE LOANS AND WITHDRAWALS, TAX-DEFERRED EARNINGS, TAX-FREE TRANSFERS
4 FACE AMOUNT BANDS from 25,000-500,000 BAND 1: $25,000-99,999, BAND 2: $100,000-249,999, BAND 3: $250,000-499,999, BAND 4: $500,000
ISSUE AGES 0-85 OR 15 DAYS OLD
2 GUARANTEED MINIMUM INTEREST RATES -2 accounts INDEX ACCOUNTS: 0.75%, BASIC INTEREST ACCOUNT 2%
3 DEATH BENEFIT OPTIONS LEVEL, INCREASING, & GRADED
3 MINIMUM NO LAPSE GUARANTEE PERIOD ISSUE AGES 0-45: 20 YEARS, ISSUE AGES 46-60: UNTIL AGE 65, ISSUE AGES 61-85: 5 YEARS
Factors-MONTHLY COST OF INSURANCE CHARGE THE COST OF INSURANCE (COI) CHARGE DEPENDS ON SEVERAL FACTORS SUCH AS FACE AMONT, RISK CLASS, AGE, GENDER, AND DURATION, AS WELL AS THE DIFFERENCE BETWEEN THE POLICY VALUE AND DEATH BENEFIT. THE COI CHARGES WILL VARY EACH MONTH.
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