WHAT'S THE BEST LIFE INSURANCE FOR YOU?
WHAT’S THE BEST LIFE INSURANCE FOR YOU? 5IFSFBSFUXPLJOETPGMJGFJOTVSBODFDPWFSBHF°UFNQPSBSZBOEQFSNBOFOU5IFZPGGFSEJGGFSFOUGFBUVSFTUP NFFUEJGGFSFOUOFFET BTTIPXOJOUIFDIBSUCFMPX5FNQPSBSZDPWFSBHFNBZCFBMMZPVFWFSOFFE PSJUNBZCF BOJOUFSJNTUFQCFGPSFZPVQVSDIBTFQFSNBOFOUDPWFSBHF5IFCFTUTPMVUJPOGPSZPVNJHIUCFBDPNCJOBUJPO PGUFNQPSBSZBOEQFSNBOFOUDPWFSBHFJOUIFTBNFQPMJDZ 5FNQPSBSZDPWFSBHFJTBWBJMBCMFUISPVHIUFSNMJGFJOTVSBODF1FSNBOFOUDPWFSBHFJTBWBJMBCMFUISPVHI QBSUJDJQBUJOHMJGFJOTVSBODFPSVOJWFSTBMMJGFJOTVSBODF
PERMANENT
TERM •5FNQPSBSZOFFE •-PXFSJOJUJBMDPTU •*ODSFBTJOHQSFNJVN •1BZBTZPVHP •'JYFEFYQJSZEBUF •'JYFEWBMVFPWFSB MJNJUFEUJNFQFSJPE -FWFMEFBUICFOFGJU /PDBTIWBMVF •#FOFGJUQBJEBUEFBUI
Combination of term and permanent
•1FSNBOFOUOFFE •)JHIFSJOJUJBMDPTU •-FWFMQSFNJVNXJUICVJMUJO GMFYJCJMJUZ •#VZBOEPXO •$PWFSBHFGPSMJGF •*ODSFBTJOHWBMVFPWFSZPVSMJGFUJNF -FWFMPSJODSFBTJOH EFBUICFOFGJU "DDFTTUPUBYBEWBOUBHFE BDDVNVMBUFEDBTIWBMVF •3FDFJWFCFOFGJUTEVSJOH MJGFBOEBUEFBUI "DDFTTUPDBTIWBMVF XIJMFMJWJOH -JGFJOTVSBODFQSPDFFET BUEFBUI
* As long as premiums continue to be paid or there is cash value in the policy
5IFDIBSUPOUIFPUIFSTJEFHJWFTZPVNPSFJOGPSNBUJPOBCPVUUIFGFBUVSFTBOECFOFGJUTPGUFSN QBSUJDJQBUJOH BOEVOJWFSTBMMJGFJOTVSBODF6MUJNBUFMZ UIFLJOEPGMJGFJOTVSBODFZPVDIPPTFEFQFOETPOZPVSJOEJWJEVBM TJUVBUJPOUPEBZBOEXIBUXJMMCFJNQPSUBOUUPZPVJOUIFGVUVSF"SFWJFXPGZPVSOFFETBOEHPBMTXJMMIFMQZPV EFUFSNJOFXIJDIQSPEVDUJTCFTUGPSZPV
Features and benefits of term, participating and universal life insurance
Temporary coverage
Permanent coverage
5FSNMJGFJOTVSBODF
1BSUJDJQBUJOHMJGFJOTVSBODF
6OJWFSTBMMJGFJOTVSBODF
Lifetime coverage?
No DPWFSBHFGPSB TQFDJ¾FEUFSNPOMZ
Yes
Yes
Can more than one life be covered?
Yes TJOHMFPSKPJOU DPWFSBHF XJUIQBZPVU PO¾STUEFBUIPOMZ KPJOU ¾STUUPEJF 8JUITPNF QPMJDJFT ZPVDBOJOTVSF NPSFUIBOUXPMJWFT
Yes TJOHMFPSKPJOUDPWFSBHF XJUIQBZPVUFJUIFSPO¾STU EFBUI KPJOU¾STUUPEJF PSPO MBTUEFBUI KPJOUMBTUUPEJF
Yes TJOHMFPSKPJOUDPWFSBHF XJUIQBZPVU FJUIFSPO¾STUEFBUI KPJOU¾STUUPEJF PSPO MBTUEFBUI KPJOUMBTUUPEJF 8JUITPNFQPMJDJFT ZPVDBOBEENVMUJQMFMJWFT FBDIXJUIJUTPXO TFQBSBUFDPWFSBHF
Premium guarantees?
Yes UIFJOJUJBMQSFNJVN JTHFOFSBMMZHVBSBOUFFE (VBSBOUFFTGPSSFOFXBM SBUFTWBSZCZDPNQBOZ
Yes QSFNJVNTGPSUIFCBTJD JOTVSBODFDPWFSBHFBSF HVBSBOUFFEGPSUIFEVSBUJPOPG UIFQSFNJVNQBZJOHQFSJPE
Yes UIFDPTUPGJOTVSBODFDIBSHFTBOEQPMJDZ GFFTGPSUIFCBTJDJOTVSBODFBSFUZQJDBMMZ HVBSBOUFFEGPSUIFEVSBUJPOPGUIFDPWFSBHF $IBSHFTGPSQSFNJVNUBYBSFOPUHVBSBOUFFE
Premium flexibility?
No QSFNJVNTBSF QBZBCMFGPSUIFFOUJSF DPWFSBHFQFSJPE
Yes TPNFEJWJEFOEPQUJPOT MFUZPVQBZQSFNJVNTXJUI ZPVSEJWJEFOET
Yes ZPVDBOQBZFJUIFSBNJOJNVNBNPVOUUP NBJOUBJOUIFCBTJDJOTVSBODFPSBMBSHFSBNPVOU :PVDBOVTFZPVSBDDVNVMBUFEBDDPVOUWBMVFTUP DPWFSQPMJDZDIBSHFT:PVDBODIPPTFBDPTUPG JOTVSBODFPQUJPO BOOVBMMZJODSFBTJOH MFWFM PSMJNJUFEQBZ UP¾UZPVSCVEHFU
Guaranteed cash value?
No HFOFSBMMZOPU
Yes HJWFTZPVBGPVOEBUJPOPG HVBSBOUFFEDBTIWBMVF
AvailableJGZPVDIPPTFBMJNJUFEQBZDPTUPG JOTVSBODFPQUJPO6TVBMMZOPUBWBJMBCMFXJUIMFWFM PSBOOVBMMZJODSFBTJOHDPTUPGJOTVSBODFPQUJPOT
Guaranteed death benefit?
Yes GPSUIF TQFDJ¾FEUFSN
Yes UIFCBTJDEFBUICFOF¾U JTHVBSBOUFFEGPSUIFJOTVSFE QFSTPOµTMJGFUJNF"EEJUJPOBM EFBUICFOF¾UTZPVQVSDIBTF XJUIEJWJEFOETNBZOPUCF HVBSBOUFFE
Yes UIFJOJUJBMEFBUICFOF¾UJTHVBSBOUFFE "EEJUJPOBMEFBUICFOF¾UT GPSFYBNQMF JODSFBTJOHEFBUICFOF¾UPS$PWFSBHF1MVTEFBUI CFOF¾U BSFOPUHVBSBOUFFE
Policyowner dividends?
No HFOFSBMMZOPU
Yes ZPVCFOF¾UGSPN UIFTVDDFTTPGUIFQPPMPG QBSUJDJQBUJOHQPMJDJFT UISPVHI UIFSFDFJQUPGQPMJDZPXOFS EJWJEFOET:PVEFDJEFXIBU UPEPXJUIZPVSEJWJEFOET
No QPMJDZPXOFSEJWJEFOETBSFOµUBWBJMBCMF *OTUFBE ZPVTFMFDUZPVSPXOJOWFTUNFOUPQUJPOT
Investment options?
No OPUBWBJMBCMF
No BUFBNPGQSPGFTTJPOBM NBOBHFSTJOWFTUTUIF QPPMFEBTTFUTPGBMMUIF QBSUJDJQBUJOHQPMJDJFT
Yes ZPVDBODIPPTFGSPNBCSPBETQFDUSVNPG HVBSBOUFFEJOUFSFTUPQUJPOT GPMJPPQUJPOT JOEFY MJOLFEPQUJPOTBOEGVOEMJOLFEPQUJPOT
Additional benefits and riders?
Yes ZPVDBODVTUPNJ[FZPVSMJGFJOTVSBODFQPMJDZCZTFMFDUJOHGSPNBXJEFWBSJFUZPGPQUJPOBMCFOF¾UTBOESJEFST 5IFTFWBSZGSPNQSPEVDUUPQSPEVDU:PVS¾OBODJBMTFDVSJUZBEWJTPSDBOHJWFZPVUIFGVMMEFUBJMT
Freedom 55 Financial and design are trademarks of London Life Insurance Company.
46-5832-05-07
PERMANENT
TERM •5FNQPSBSZOFFE •-PXFSJOJUJBMDPTU •*ODSFBTJOHQSFNJVN •1BZBTZPVHP •'JYFEFYQJSZEBUF •'JYFEWBMVFPWFSB MJNJUFEUJNFQFSJPE -FWFMEFBUICFOFGJU /PDBTIWBMVF •#FOFGJUQBJEBUEFBUI
Combination of term and permanent
•1FSNBOFOUOFFE •)JHIFSJOJUJBMDPTU •-FWFMQSFNJVNXJUICVJMUJO GMFYJCJMJUZ •#VZBOEPXO •$PWFSBHFGPSMJGF •*ODSFBTJOHWBMVFPWFSZPVSMJGFUJNF -FWFMPSJODSFBTJOH EFBUICFOFGJU "DDFTTUPUBYBEWBOUBHFE BDDVNVMBUFEDBTIWBMVF •3FDFJWFCFOFGJUTEVSJOH MJGFBOEBUEFBUI "DDFTTUPDBTIWBMVF XIJMFMJWJOH -JGFJOTVSBODFQSPDFFET BUEFBUI
* As long as premiums continue to be paid or there is cash value in the policy
5IFDIBSUPOUIFPUIFSTJEFHJWFTZPVNPSFJOGPSNBUJPOBCPVUUIFGFBUVSFTBOECFOFGJUTPGUFSN QBSUJDJQBUJOH BOEVOJWFSTBMMJGFJOTVSBODF6MUJNBUFMZ UIFLJOEPGMJGFJOTVSBODFZPVDIPPTFEFQFOETPOZPVSJOEJWJEVBM TJUVBUJPOUPEBZBOEXIBUXJMMCFJNQPSUBOUUPZPVJOUIFGVUVSF"SFWJFXPGZPVSOFFETBOEHPBMTXJMMIFMQZPV EFUFSNJOFXIJDIQSPEVDUJTCFTUGPSZPV
Features and benefits of term, participating and universal life insurance
Temporary coverage
Permanent coverage
5FSNMJGFJOTVSBODF
1BSUJDJQBUJOHMJGFJOTVSBODF
6OJWFSTBMMJGFJOTVSBODF
Lifetime coverage?
No DPWFSBHFGPSB TQFDJ¾FEUFSNPOMZ
Yes
Yes
Can more than one life be covered?
Yes TJOHMFPSKPJOU DPWFSBHF XJUIQBZPVU PO¾STUEFBUIPOMZ KPJOU ¾STUUPEJF 8JUITPNF QPMJDJFT ZPVDBOJOTVSF NPSFUIBOUXPMJWFT
Yes TJOHMFPSKPJOUDPWFSBHF XJUIQBZPVUFJUIFSPO¾STU EFBUI KPJOU¾STUUPEJF PSPO MBTUEFBUI KPJOUMBTUUPEJF
Yes TJOHMFPSKPJOUDPWFSBHF XJUIQBZPVU FJUIFSPO¾STUEFBUI KPJOU¾STUUPEJF PSPO MBTUEFBUI KPJOUMBTUUPEJF 8JUITPNFQPMJDJFT ZPVDBOBEENVMUJQMFMJWFT FBDIXJUIJUTPXO TFQBSBUFDPWFSBHF
Premium guarantees?
Yes UIFJOJUJBMQSFNJVN JTHFOFSBMMZHVBSBOUFFE (VBSBOUFFTGPSSFOFXBM SBUFTWBSZCZDPNQBOZ
Yes QSFNJVNTGPSUIFCBTJD JOTVSBODFDPWFSBHFBSF HVBSBOUFFEGPSUIFEVSBUJPOPG UIFQSFNJVNQBZJOHQFSJPE
Yes UIFDPTUPGJOTVSBODFDIBSHFTBOEQPMJDZ GFFTGPSUIFCBTJDJOTVSBODFBSFUZQJDBMMZ HVBSBOUFFEGPSUIFEVSBUJPOPGUIFDPWFSBHF $IBSHFTGPSQSFNJVNUBYBSFOPUHVBSBOUFFE
Premium flexibility?
No QSFNJVNTBSF QBZBCMFGPSUIFFOUJSF DPWFSBHFQFSJPE
Yes TPNFEJWJEFOEPQUJPOT MFUZPVQBZQSFNJVNTXJUI ZPVSEJWJEFOET
Yes ZPVDBOQBZFJUIFSBNJOJNVNBNPVOUUP NBJOUBJOUIFCBTJDJOTVSBODFPSBMBSHFSBNPVOU :PVDBOVTFZPVSBDDVNVMBUFEBDDPVOUWBMVFTUP DPWFSQPMJDZDIBSHFT:PVDBODIPPTFBDPTUPG JOTVSBODFPQUJPO BOOVBMMZJODSFBTJOH MFWFM PSMJNJUFEQBZ UP¾UZPVSCVEHFU
Guaranteed cash value?
No HFOFSBMMZOPU
Yes HJWFTZPVBGPVOEBUJPOPG HVBSBOUFFEDBTIWBMVF
AvailableJGZPVDIPPTFBMJNJUFEQBZDPTUPG JOTVSBODFPQUJPO6TVBMMZOPUBWBJMBCMFXJUIMFWFM PSBOOVBMMZJODSFBTJOHDPTUPGJOTVSBODFPQUJPOT
Guaranteed death benefit?
Yes GPSUIF TQFDJ¾FEUFSN
Yes UIFCBTJDEFBUICFOF¾U JTHVBSBOUFFEGPSUIFJOTVSFE QFSTPOµTMJGFUJNF"EEJUJPOBM EFBUICFOF¾UTZPVQVSDIBTF XJUIEJWJEFOETNBZOPUCF HVBSBOUFFE
Yes UIFJOJUJBMEFBUICFOF¾UJTHVBSBOUFFE "EEJUJPOBMEFBUICFOF¾UT GPSFYBNQMF JODSFBTJOHEFBUICFOF¾UPS$PWFSBHF1MVTEFBUI CFOF¾U BSFOPUHVBSBOUFFE
Policyowner dividends?
No HFOFSBMMZOPU
Yes ZPVCFOF¾UGSPN UIFTVDDFTTPGUIFQPPMPG QBSUJDJQBUJOHQPMJDJFT UISPVHI UIFSFDFJQUPGQPMJDZPXOFS EJWJEFOET:PVEFDJEFXIBU UPEPXJUIZPVSEJWJEFOET
No QPMJDZPXOFSEJWJEFOETBSFOµUBWBJMBCMF *OTUFBE ZPVTFMFDUZPVSPXOJOWFTUNFOUPQUJPOT
Investment options?
No OPUBWBJMBCMF
No BUFBNPGQSPGFTTJPOBM NBOBHFSTJOWFTUTUIF QPPMFEBTTFUTPGBMMUIF QBSUJDJQBUJOHQPMJDJFT
Yes ZPVDBODIPPTFGSPNBCSPBETQFDUSVNPG HVBSBOUFFEJOUFSFTUPQUJPOT GPMJPPQUJPOT JOEFY MJOLFEPQUJPOTBOEGVOEMJOLFEPQUJPOT
Additional benefits and riders?
Yes ZPVDBODVTUPNJ[FZPVSMJGFJOTVSBODFQPMJDZCZTFMFDUJOHGSPNBXJEFWBSJFUZPGPQUJPOBMCFOF¾UTBOESJEFST 5IFTFWBSZGSPNQSPEVDUUPQSPEVDU:PVS¾OBODJBMTFDVSJUZBEWJTPSDBOHJWFZPVUIFGVMMEFUBJMT
Freedom 55 Financial and design are trademarks of London Life Insurance Company.
46-5832-05-07
