Level Protection Death Benefit

Level protection pays a death benefit equal to either your coverage amount or the amount accumulated in your policy, whichever is greater.

It's a cost-effective choice that’s ideal when your coverage needs are unlikely to change over time because, as your policy’s accumulation value grows, the insurance component of your policy is reduced and so are your costs. Conversely, if your policy’s accumulation value is reduced because of market conditions or because you make a withdrawal, your costs will increase. This option may be right for you if your primary goal is to accumulate money on a tax-advantaged basis and maintain a fixed amount of protection with no planned withdrawals.