ºÚÁÏÕýÄÜÁ¿

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

ºÚÁÏÕýÄÜÁ¿ AdvanceSource brochure

See brochure

Outline of Coverage

View document

Oregon Surrender Charge Schedule

View document

ºÚÁÏÕýÄÜÁ¿ AdvanceSource brochure

See brochure

Outline of Coverage

View document

Oregon Surrender Charge Schedule

View document

View important information about the ºÚÁÏÕýÄÜÁ¿ AdvanceSource rider.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

ºÚÁÏÕýÄÜÁ¿ AdvanceSource rider

See brochure

Outline of Coverage

View document

ºÚÁÏÕýÄÜÁ¿ AdvanceSource rider

See brochure

Outline of Coverage

View document

View important information about the ºÚÁÏÕýÄÜÁ¿ AdvanceSource rider.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

ºÚÁÏÕýÄÜÁ¿ AdvanceSource rider

See brochure

Outline of Coverage

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ºÚÁÏÕýÄÜÁ¿ AdvanceSource rider

See brochure

Outline of Coverage

View document

View important information about the ºÚÁÏÕýÄÜÁ¿ AdvanceSource rider.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿ AdvanceSource accelerated benefit rider enables you to leverage a life insurance policy to address chronic care needs. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource rider include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

70% of people over 65 will need long-term care services at some point.

Help preserve your assets from costly chronic care expenses

In addition to fulfilling your life insurance needs, the ºÚÁÏÕýÄÜÁ¿^® AdvanceSource accelerated benefit rider for long-term care enables you to leverage a life insurance policy to help with long-term care expenses if you become chronically ill¹. Available for an additional cost, the optional AdvanceSource rider helps provide another layer of protection by accelerating a portion of the death benefit of a ºÚÁÏÕýÄÜÁ¿ insurance policy to help pay for expenses should you become chronically ill.

Benefits of the AdvanceSource accelerated benefit rider for long-term care include:

• Flexibility to use benefits either for long-term care expenses while living and/or as an income tax-free benefit to your loved ones after you are gone
• Benefit payments for home care services as well as assisted living, adult day care and nursing home facilities
• Can be added, at time of application, to any ºÚÁÏÕýÄÜÁ¿ single life policy which gives you the choice of lifetime no lapse guarantees or possible cash value accumulation

For additional information, talk with your , a licensed insurance agent, about how the AdvanceSource accelerated benefit rider for long-term care, issued by ºÚÁÏÕýÄÜÁ¿, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.

70% of people over 65 will need long-term care services at some point.