SMART Universal Life offers you considerable flexibility to adjust coverage as your needs change. It also provides the security of guaranteed coverage for the first 10 years (called a No Lapse Guarantee), as long as you pay sufficient premiums.3
Because SMART is a universal life insurance product, it has the potential to build value beyond the death benefit. This “cash accumulation” portion of SMART Universal Life grows at a guaranteed minimum interest rate of 2% each year. You can even access2 the cash accumulated for special needs, such as buying a house, paying down a mortgage or getting married.