Life Insurance

AVIVA'S LIFE PRODUCTS OFFER:

• Flexible premium universal life design with guaranteed minimum interest rates
• Flexible death benefit that can be increased (w/ evidence of insurability) or decreased as needed
• Flexibility to tailor premium payments to client needs
• Choice of indexed interest crediting or fixed (declared rate) interest crediting
• Lifetime rolling target premiums
• Five underwriting classes, including Premier Non-Tobacco
• Full range of riders available, including innovative Wellness for Life Rider that offers policy rewards for maintaining a healthy lifestyle
• Guideline Premium and Cash Value Accumulation Test
• Preferred loans available after 10th policy year
• Qualified and non-qualified policies available

Aviva's Universal Life portfolio consists of several flexible premium universal life plans with an index feature that can help your clients build a solid foundation of financial protection for their families, businesses or estates.

Lifetime Builder: Designed for cash accumulation and retirement income. Provides the highest target premiums of any product in the Indexed UL portfolio.

Advantage Builder w/ or w/o No Lapse Guarantee Rider : Indexed UL designed to provide low-cost death benefit protection. Guaranteed death benefit available with the incredible No Lapse Guarantee Rider. Strong cash accumulation potential (w/o NLG Rider).

Lifestage UL : Current assumption UL product designed as a possible alternative to No-Lapse Guarantee products.

Guarantee UL Solution : Traditional UL policy with built-in No-Lapse Guarantee. Designed for customers who want low-cost, permanent life insurance coverage. Available to juveniles and adults with low minimum face amounts.

“Life products are currently without comparison”

Indexed Universal Life policies from Aviva Life Insurance Company are fixed, permanent life insurance plans. They combine the features of traditional universal life with the potential to earn interest based on the upward movement of a stock market index. With this unique combination of benefits, indexed life has become popular among financial consumers.

The major difference between traditional universal life and indexed universal life is the way interest is credited. While a traditional UL policy generates a fixed interest rate determined by the insurer, an indexed UL policy earns interest based on the movement of a stock market index. We believe that an indexed life product has the potential for greater interest crediting than the more traditional products. Consequently, this could mean more cash value and more retirement income, as well as the option of having lower total premiums if you wish to use the policy cash value to support the internal expenses. An indexed life product also provides the potential for reward with a guard against market risks. While indexed products credit interest based on the upward movement of an index, these products are not securities. Purchasing an indexed life policy is not the same as making an investment directly in the stock market.

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