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Horizon Blend™ is a combination of 50% participating whole life and 50% term insurance. This combination provides permanent protection, guaranteed growth of cash value and non-guaranteed dividends, a guaranteed death benefit for 20 years,* and guaranteed term conversion without evidence of insurability**—all at a cost that's lower than our other whole life products. It's a good choice for families and businesses on a budget who want the benefits of participating whole life insurance and the cost savings of term.

Features






Fifty/Fifty blend of participating whole life and term insurance that provides permanent protection, guaranteed growth of cash value (and non-guaranteed dividends), and a guaranteed death benefit for 20 years* at an economical premium.




Guaranteed conversion option enables policyowners to exchange all or part of the term portion of the policy without evidence of insurability**



Can be issued for ages 18-65. Minimum face amount is $100,000.



Preferred Plus rates are available.




Accelerated Death Benefit Rider, with Chronic and Terminal Illness provisions, available at no additional premium.

Riders



Accelerated Death Benefit – Chronic and Terminal Illness



Accidental Death Benefit



Children's Insurance Rider





Flex Pay PUA Rider
(maximum annual rider premium cannot be more than 30% of total annual premium of the policy at issue)



Disability Benefit Rider (DBR) on Flex Pay PUA Rider



Guaranteed Purchase Option



Single Premium PUA Rider



Waiver of Premium - 2 Year Own Occupation

Waiver of Premium - 5 Year Own Occupation


* The guaranteed death benefit can be continued beyond 20 years, though the term portion of the premium will increase annually.
** Or to age 70, if earlier.


MORE ON HORIZON BLEND
Consumer
Flyer

Product
Guide


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QUESTIONS?

Have questions about our Horizon Blend or other whole life products? Contact our Sales Development Team at 1-800-323-7320, ext 5140.