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Horizon Value™, a premier participating whole life insurance product, is a leader in providing early, fast, guaranteed growth of cash value. Horizon Value's guaranteed cash values and non-guaranteed dividends grow early, rapidly and tax-deferred. In some cases, they exceed the policy's annual premium as early as year four. Policyowners have access, liquidity and control of this money throughout their lives through policy loans and by withdrawing values generated by dividends. Horizon Value™ also provides guaranteed level premiums; a guaranteed death benefit; an accelerated death benefit rider for chronic and terminal illness, which is available at no additional premium; and the flexibility of adding additional optional riders and benefits to further customize the policy.

Features





Early, fast growth of guaranteed cash values and non-guaranteed dividends. The annual increase of surrender values (cash values plus dividends) may exceed the annual premium as early as year 4.



Provides policyowners access, liquidity and control of their money.



Can be issued for ages 0-75. Policy paid up at age 90/matures at 121.




Preferred Plus and Preferred rates available if the total amount underwritten, including riders, is $100,000 or more.




Banded at $25,000 (ages 0-39); $10,000 (ages 40-75); $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



Children's Insurance Rider



Flexible Premium Paid-Up Additional Insurance Rider



Single Premium Paid-Up Additional Insurance Rider



Disability Benefit Rider (DBR) on Flex Pay PUA Rider



Guaranteed Purchase Option (GPO)



7 Year Term Rider



15 Year Term Rider



Waiver of Premium - 2 Year Own Occupation

Waiver of Premium - 5 Year Own Occupation

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QUESTIONS?

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