Versatile Life is a whole life policy with guaranteed values like the conventional whole life plan. However, by using the current mortality and current competitive interest rates, we are able to provide "current" benefits in excess of conventional whole life plans.

Life Style Term is protection for your life-style today and tomorrow. Guaranteed Renewable and Convertible Term Life Insurance to age 70 - with options to age 100

Flexible Premium Deferred Annuity is an interest earning savings plan that offers you these important benefits:

1. Tax-deferred interest now.

Your cash grows faster because no tax is payable while your interest is compounding.

2. Tax-favored income later.

Your cash accumulates tax-deferred until withdrawn. You may be in a lower tax bracket when you decide to withdraw your interest and thus owe less of it in taxes.

3. Continuous Flexibility.

The minimum initial premium is just $100. You control amounts and timing of deposits and withdrawals.