Participate in the S&P 500 Equity Index without fear of loss
Provide Protection and Growth for
You and Your Family
Life is full of the unexpected. Are you looking for insurance
that offers the flexibility you need to combat those twists and turns and
guarantee protection for you and your family?
Indexed Universal Life insurance is a sound choice. Along with providing
a death benefit if you die, MasterChoise also provides tax-deferred growth
of your account value, growth linked to a formula based on changes in an
equity-index, flexible premium options, a variety of riders and waivers,
and two death benefit options.
OM Financial Life’s MasterChoice® offers one of the most competitive
indexed universal life insurance design!
Outstanding Features include:
No Lapse Premium Guarantee to age 100:
Assures you that no matter what economic conditions may arise, you have
a contract with an affordable premium, which guarantees the death benefit
to age 100.
Interest earning potential: Interest
is linked to a formula based on changes in an index with a guaranteed
minimum interest rate of 1%.
Extended Maturity Option:As long as there
is $1 of cash value at age 100, the death benefit will remain in force
for life and at no cost.
Surrender Charge Waiver:No surrender
charge applies to premium in excess of total target premium. This provides
exceptional liquidity if you wish to exercise a 1035 exchange or make
a lump sum payment.
100% Guaranteed Participation Rate: Subject
to a cap. This cap is guaranteed annually and can never be less than
3%
Point to Point Annual Reset: Account
value growth based on a formula linked to the S&P 500® Index.
Tax free death benefit if you die.
For a detailed listing of the MasterChoice features, contact
us today.
Individual Policy Form Number:
FGL EIUL-C (4-03) et al.
This is an Indexed Universal Life Insurance Product.
Withdrawals may be subject to income tax and IRS penalty tax if made before
age 59 1/2.
Consult your tax advisors regarding your unique situation.
Subject to state availability. Certain restrictions may apply.
Interest rates are effective annual interest rates and are subject to change.
Surrender charges may apply to withdrawals.
Issuance may depend upon answers to health questions stated in the application.
This document is not a legal contract. For the exact terms and conditions, refer
to the contract.
This Product is offered on a group or individual basis as determined by state
availability.
Index rates are subject to a cap.
No bank guarantee. • Not FDIC/NCUA/NCUSIF insured. • May lose value
if surrendered early.
