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Horizon Guarantee™ is a participating whole life product specially designed to provide a guaranteed death benefit at a guaranteed level premium that's often lower than other whole life premiums. It's a good choice for anyone who wants a guaranteed death benefit; attractive, guaranteed level premiums; and guaranteed growth of cash value, but whose first priority is death benefit protection. Horizon Guarantee also provides an accelerated death benefit rider for chronic and terminal illness at no additional premium, and the flexibility of adding additional optional riders and benefits to further customize the policy.

Features



Guaranteed death benefit at a cost-effective level premium.




Guaranteed cash value and non-guaranteed dividends that build in later years and can be used to supplement income in retirement or to later offset the premium.



Can be issued for ages 0-85. Payable to attained age 121.



Preferred Plus and Preferred rates available.



Banded at $50,000; $100,000; $250,000; $500,000; and $1,000,000.



Policy fee $50.




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




Applicant Waiver of Premium Benefit, provided there isn't a Flex Rider on the policy



Children's Insurance Rider



Disability Benefit Rider (DBR) on Flex Pay PUA Rider




Flexible Premium Paid-Up Additional Insurance Rider (maximum annual rider premium cannot be more than 30% of the total annual premium on the policy)



Single Premium Paid-Up Additional Insurance Rider



Guaranteed Purchase Option (GPO)



Waiver of Premium - 2 Year Own Occupation

Waiver of Premium - 5 Year Own Occupation

MORE ON HORIZON GUARANTEE
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QUESTIONS?

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