Lifetime Foundation
planning

Life insurance that adapts to your evolving needs

Lifetime Foundation is an innovative permanent life insurance product that provides a flexible death benefit guarantee that adjusts over time. This new approach to life insurance provides you with more guaranteed coverage early on when your life insurance need is likely the greatest while maintaining a proportional death benefit guarantee in later years when your focus transitions to savings protection and leaving a legacy.

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A flexible death benefit guarantee that adjusts over time.

A new type of protection that can last your lifetime

Striking the balance between your changing needs, Lifetime Foundation has two levels of death benefit guarantees provided you meet applicable premium requirements:
 

  • Initial Death Benefit Guarantee — the full face amount of your policy is guaranteed for 5-30 years, based on your issue age
  • Extended Death Benefit Guarantee — 50% of your policy’s face amount is guaranteed as long as your policy is in force

Lifetime Foundation uses a Cumulative Minimum Premium Test to ensure your guarantees stay in force. Even if your policy’s cash value is zero, your coverage will continue as long as the total amount of premiums paid has met the cumulative minimum required premium test.

Lifetime Foundation is ideal for someone looking for strong cash accumulation potential along with a guaranteed death benefit.

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Product Highlights

product detail
  • An innovative permanent life insurance product that provides a flexible death benefit guarantee that adjusts over time

  • Provides you with more guaranteed coverage early on when your life insurance need is likely the greatest

  • Maintains a proportional death benefit guarantee in later years

  • Ideal for someone looking for strong cash accumulation potential along with protection from market risk

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Death benefit needs can change over time, your life insurance should too.

Speak to your life insurance professional about Lifetime Foundation today.