1 Life insurance policy guarantees are subject to the timely payment of premiums. As long as the no-lapse guarantee is in effect, the policy is guaranteed not to lapse.
2 The Extended No-Lapse Guarantee rider must be selected. By paying only the No-Lapse Guarantee Minimum Monthly Premium you may be forgoing the opportunity to build a higher Account Value. Withdrawals, loans and late payments may require that additional premium be paid to keep the No-Lapse Guarantee active. You may need to make significant additional premium payments after the No-Lapse Guarantee expires to keep your policy in force. Non-payment of the Minimum Monthly Premium, or changes to the Specified Amount or Death Benefit Option may also cause a loss of the No-Lapse Guarantee feature.
3 Increases in coverage are subject to underwriting based on health and other factors.
4 Assumes the policy is not a modified endowment contract, the withdrawals do not exceed cost basis, and the policy does not lapse. Loans will accrue interest. Cash value may take years to accumulate, unless a large premium is paid up front. Loans and withdrawals may generate an income tax liability, reduce the account value and the death benefit, and may cause the policy to lapse. Sufficient premium and account value are necessary to cover insurance costs and charges.
Flexible Premium Adjustable Life Insurance Policy series ICC18 1808-4000 WSA, Extended No-Lapse Guarantee Rider 0807-1565 WSA issued by Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except NY.
These policies and benefits may not be available in all states, and benefits may vary by state.
Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.
Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.
Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.