Rates are generally increasing 3-5% for most categories. Despite this increase, competitive positioning should remain intact.
Signature Guaranteed Universal Life Offers:
GUARANTEED DEATH BENEFIT
Clients can determine the face amount and guarantee length between ages 95 to 121. The Death Benefit is guaranteed to the chosen age, assuming all premiums are paid as scheduled.
GUARANTEED CASH-OUT RIDER
During a 60-day period following the 15th, 20th, and 25th policy anniversaries, the rider allows for surrender of policy in exchange for a partial or full return of premiums paid.1
1) Cash-Out Rider may not be available on all substandard rates policies and some may only qualify for the Cash-Out option in the 15th policy anniversary.