Choose a Specified Death Benefit amount between $25,000 and $9,999,999.

Then you may select:

The INCREASING DEATH BENEFIT OPTION or a LEVEL OPTION.

With the INCREASING DEATH BENEFIT OPTION, any Accumulated Policy Value is paid at death in addition to the Specified Amount.   

With the LEVEL OPTION, your Death Benefit may increase with your cash accumulation value so that your policy maintains the status of a life insurance policy under IRS guidelines. You get the dual advantage of a ramped-up death benefit while at the same time taking maximum advantage of accelerated cash accumulation.

A Living Benefit Rider may be included, which allows for a portion of the Death Benefit to be distributed prior to death in the event of chronic illness, terminal illness or severe cognitive impairment. There is no charge to you for this rider unless you choose to exercise it.