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The Growth Potential They Want and The Protection They Need

PremiumLifeTM policies are set with a floor of 0%, so the policy’s cash value will never decline due to market losses.

Unlike traditional investors, policyholders are not actually buying stocks in the indexes; instead, they buy the right to participate in market gains without directly participating in the losses. As a trade-off for this loss protection, gains are typically capped at a specific rate each year.

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The Growth Potential They Want - The Protection They Need

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