Any guarantees associated with payment of death benefits,
income options, or rates of return are subject to the claims-paying ability and financial strength of
the insurer. Policy loans and withdrawals will reduce the policy's cash value
and death benefit and may cause the policy to lapse. Withdrawals may be subject
to surrender charges and income tax, and a 10% penalty may apply to withdrawals
from a modified endowment contract if made under age 59½.
Variable life and variable universal life insurance policies
are offered by prospectus, which you can obtain from your financial
professional or the insurance company. The prospectus contains detailed
information about investment objectives, risks, charges, and expenses, as well as the underlying investment options. You
should read the prospectus and consider this information carefully before
purchasing a variable life or variable universal life insurance policy.