Product At-A-Glance
LegacyAccel™ is fully streamlined to get you and your client an immediate underwriting decision on the spot!
Liquidity is built-in with cash value loans and penalty-free withdrawals. If your client changes their mind later and decides to cash out the policy, a few features help to provide the maximum surrender value.
LegacyAccel™ helps pass a ramped-up legacy as a death benefit to the next generation. Also provides accelerated cash value accumulation opportunities with a minimum return of 2.5%.
A lump sum payout is available to help with expenses for a serious illness, should that event arise.
Tax-Free Legacy Chassis
Eligible Drivers
Maturity Age & Value Policy matures at age 121 for the current death benefit.
Male and Female gender-specific rates (except in Montana) in four classes:
• Standard Nicotine
• Preferred Nicotine
• Standard Non-Nicotine
• Preferred Non-Nicotine
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Premium Modes Single Premium or Annual Installments.
Loads & Charges LegacyAccel™ is a no-load plan with unbundled expense charges. Surrender charges may apply.
Issue Ages Age last birthday 18-85
SAFETY FEATURES
FOR A FINANCIAL
PEACE OF MIND
LIQUIDITY
LegacyAccel™ has liquidity built-in with cash value loans and withdrawals. If you change your mind in the fifth policy year or later and decide to cash out your policy, the Waiver of Surrender Charges, Accumulated Value Roll-Up and Premium Protection features help to assure that you realize the maximum surrender value (as long as the surrender is not a transfer to a policy at another company).
LIVING BENEFIT RIDER
A portion of the Death Benefit may be accelerated in the event of chronic illness, terminal illness or severe cognitive impairment. The lesser of $500,000 or 90% of the specified amount could be accelerated.
A MINIMUM RETURN OF 2.5%
A minimum return of 2.5% may be provided with the Accumulated Value Roll-Up Rider. Every tenth year, or at surrender, the Rider provides the greater of the original policy premiums (minus withdrawals, fees and expense charges) credited at a guaranteed return of 2.5%, or the current accumulated value - whichever is greater.