Life insurance policies are subject to health and financial underwriting requirements. Product features, availability, and optional riders may vary by state and may not be available in all areas. Policy values are based on the performance of chosen crediting options and are not directly invested in the stock market. Indexes used for crediting purposes do not include dividends, and caps, participation rates, and spreads may limit interest credited.

Policy loans and withdrawals will reduce the available cash value and death benefit, and may cause the policy to lapse. If the policy lapses, is surrendered, or if loans or withdrawals exceed the total premiums paid, the excess may be subject to income tax. Withdrawals may also be subject to surrender charges. Always consult with a qualified tax advisor before making financial decisions.

Life insurance is intended to provide long-term protection. While the policy’s cash value can be accessed during the insured’s lifetime, it is important to consider the potential impact on policy performance and death benefits.