The advantage that makes it easier for you and your loved ones

MoneyGuard Market Advantage® provides features that offer flexible options including the Benefit Transfer Rider (BTR) which is included on all MoneyGuard Market Advantage policies at no additional cost. This rider provides beneficiaries, who are also policy holders, full control of death benefit proceeds and the choice of how to use benefits to enhance their own policy. With the BTR, you can rely on certainty and simplicity to protect your legacy and loved ones.

Gives your beneficiary, who is also a policyholder, the option to enhance their benfits or take a legacy payout.

No medical exams or lab tests required. You may be approved after completing a straightforward telephone interview.

Access to compensate caregivers, including spouses or family members.

1All policies include the Benefit Transfer Rider at issue for no additional cost. This rider provides beneficiaries, who are also the Insured on a separate policy with BTR, the ability to increase their benefits using a portion of or all of their death claim proceeds. Benefits can be utilized without needing to go through Underwriting. Minimum BTR purchase amount is $25,000 and cannot be funded prior to attained age 50. To use the Benefit Transfer Rider, both the insured and beneficiary must be included on existing policies, the rider must be on both policies, and the beneficiary must be the insured on their policy.

2Up to 50% of the maximum daily LTC benefit. Benefit is available as long as Base LTC value remains and informal care is approved as part of the Plan of Care.

3Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).

Fund with a single, upfront payment or pay over time, with the flexibility to adjust as needed.

With any VUL product, certain fees and costs are involved, including monthly cost of insurance, administrative expense and premium load charges, as well as daily charges on assets invested in the variable subaccounts for mortality and expense risk, and asset management fees. Please consult the prospectus or ask your financial professional for more detailed information.

How the Benefit Transfer Rider works

Beneficiaries can choose to:

• Take full death benefit income tax-free3 or
• Transfer full death benefit to purchase more benefits on their own policy or
• Split the proceeds and take partial death benefit income tax-free and leverage remainder to purchase more benefits on their own policy3

The advantage that makes it easier for you and your loved ones

MoneyGuard Market Advantage® provides features that offer flexible options including the Benefit Transfer Rider (BTR) which is included on all MoneyGuard Market Advantage policies at no additional cost. This rider provides beneficiaries, who are also policy holders, full control of death benefit proceeds and the choice of how to use benefits to enhance their own policy. With the BTR, you can rely on certainty and simplicity to protect your legacy and loved ones.

Gives your beneficiary, who is also a policyholder, the option to enhance their benfits or take a legacy payout.

No medical exams or lab tests required. You may be approved after completing a straightforward telephone interview.

Access to compensate caregivers, including spouses or family members.

Fund with a single, upfront payment or pay over time, with the flexibility to adjust as needed.

How the Benefit Transfer Rider works

Beneficiaries can choose to:

• Take full death benefit income tax-free3 or
• Transfer full death benefit to purchase more benefits on their own policy or
• Split the proceeds and take partial death benefit income tax-free and leverage remainder to purchase more benefits on their own policy3

1 All policies include the Benefit Transfer Rider at issue for no additional cost. This rider provides beneficiaries, who are also the Insured on a separate policy with BTR, the ability to increase their benefits using a portion of or all of their death claim proceeds. Benefits can be utilized without needing to go through Underwriting. Minimum BTR purchase amount is $25,000 and cannot be funded prior to attained age 50. To use the Benefit Transfer Rider, both the insured and beneficiary must be included on existing policies, the rider must be on both policies, and the beneficiary must be the insured on their policy.

2 Up to 50% of the maximum daily LTC benefit. Benefit is available as long as Base LTC value remains and informal care is approved as part of the Plan of Care.

3 Beneficiaries may receive an income tax-free death benefit under IRC Section 101(a)(1).

With any VUL product, certain fees and costs are involved, including monthly cost of insurance, administrative expense and premium load charges, as well as daily charges on assets invested in the variable subaccounts for mortality and expense risk, and asset management fees. Please consult the prospectus or ask your financial professional for more detailed information.