Withdrawals:² After the first contract year, withdrawal charges are waived up to 10% of current account value. Minimum withdrawal amount of $250, and $5,000 account value must remain.

Waiver of withdrawal charges - for qualifying medical stay:^2,3 After the first contract year, withdrawal charges are waived if the insured or insured’s spouse was confined to a qualified institution and was treated by a qualified medical professional for at least 45 days during a continuous 60-day period.

Liberty's Living Benefit, an accelerated death benefit: ⁴ Provides for acceleration of up to 90% of the death benefit (income tax-free under current tax law) if the insured is diagnosed with a terminal illness or is chronically ill.⁵ Minimum benefit payment is $10,000 with a maximum of $250,000. Minimum $10,000 insurance must remain after accelerated benefit payment.

Annuitization: Upon surrender or death, proceeds may be annuitized for no additional fee at purchase rates guaranteed in contract.

$15,000 minimum (In Washington, the premium must generate a minimum face amount of $25,000)

One class: Select

• 6 Page Long Brochure
• 4 Page Brochure
• Client Brochure

The following training and reference information has been prepared to help you build your knowledge of this product.

• Quick Facts * includes "Initial Death Benefit per Dollar of Payment Chart"