Flexibility and Cash Value
During your working years, your life can change dramatically. You might get married, have a family, or even move across the country for a new job. Your needs will evolve in the face of such changes, which is why SMART comes with built-in flexibility. With our 10-Year No Lapse Guarantee, you can maintain your coverage as long as you pay the minimum premium each month.5
SMART also allows you to build potential cash value beyond the death benefit. The cash accumulation portion of SMART grows at a minimum interest rate of 2% each year, and can be accessed if you need funds. You can tap into your cash value to help with buying a house, paying down a mortgage, or supplementing your income in retirement.