TrioSource℠ Universal Life Insurance

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A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
alabama

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
alaska

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
ICC19 115526
arizona

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
arkansas
california

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
colorado

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
ICC19 115526
connecticut

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
delaware

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
district-of-columbia

TrioSource℠ Universal Life Insurance with qualified long-term care insurance riders

Help protect your retirement from qualified long-term care expenses

Universal life insurance with qualified long-term care insurance riders (TrioSource insurance) may help protect you, your retirement and your loved ones from the financial impact of long-term care expenses if you become chronically ill1TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back2 if you change your mind or your situation changes

Additional benefits include:

  • A simple one-time payment, this design eliminates the need for ongoing premiums
  • Long-term care coverage costs are guaranteed to never increase
  • An option to purchase the Extension of Benefits for Qualified Long-term Care insurance rider to extend the long-term care benefits beyond the death benefit
Talk with your Ameriprise financial advisor, a licensed insurance agent, about how TrioSource universal life insurance with long-term care insurance riders, issued by RiverSource Life, may be right for you. He or she can help you review your financial situation and provide additional details about the life insurance policy and riders, including rider cost, benefit conditions, limitations and exclusions.
1 Chronically ill means you have been certified by a licensed health care practitioner that you are unable to perform, without substantial assistance from another individual, at least two out of six activities of daily living for at least 90 days or due to functional capacity; or that you need substantial supervision from threats to health and safety due to severe cognitive impairment. Activities of daily living are defined as: bathing, continence, dressing, eating, toileting and transferring.
To be eligible for benefits the insured person must be chronically ill and the qualified long-term care services provided must follow a plan of care prescribed by a licensed health care practitioner.
2 When you apply for coverage, you choose between two Return of Premium (ROP) options: the base option ROP percentage is 80% in all years; the enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to the ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
This content applies to policy number 132409-FL and rider numbers 132410-FL for Accelerated Benefit for Qualified Long-Term Care Insurance rider and 132411-FL for the Extension of Benefits for Qualified Long-Term Care Insurance Rider. For Florida the long-term care riders have exclusions, limitations and/or reductions.
View important information about life insurance and long-term care for qualified long-term care insurance riders.
The purpose of this communication is the solicitation of insurance. Contact will be made by a licensed insurance agent or insurance company.
Issued by RiverSource Life Insurance Company, Minneapolis, Minnesota. Affiliated with Ameriprise Financial Services, Inc.
 
ICC19 115526-FL
florida

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
georgia

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent, insurance producer or insurance company.
ICC19 115526
hawaii

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
idaho

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
illinois

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
indiana

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
ICC13 132416 A
ICC19 115526
iowa

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
kansas

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
kentucky

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
louisiana

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
maine

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
maryland

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
massachusetts

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
michigan

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
minnesota

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
mississippi

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
missouri

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
montana

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
nebraska

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
nevada

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
new-hampshire

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
new-jersey

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
new-mexico
new-york

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
north-carolina

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
north-dakota

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
ohio

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
oklahoma

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
oregon

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
pennsylvania

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
rhode-island

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
south-carolina

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
south-dakota

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
tennessee

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
texas

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
utah

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
vermont

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
virginia

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
washington

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
west-virginia

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
wisconsin

A simple way to protect your retirement from unexpected expenses.

Universal life insurance with long-term care benefits can help protect you, your retirement and your loved ones from the financial impact of long-term care expenses.

TrioSource life insurance helps put your money to work to shield your retirement assets from the impact of long-term care expenses. Depending on your need, this life insurance solution lets you:

  • Access income tax-free benefits for long-term care expenses, or
  • Pass on an income tax-free death benefit to your loved ones, or
  • Get your money back1 if you change your mind or your situation changes

Additional TrioSource life insurance benefits include:

  • A simple one-time payment
  • Long-term care coverage costs are guaranteed to never increase
  • An option at the time of application to extend the long-term care benefits beyond the death benefit
  • An easy application process *

* With TrioSource insurance, underwriting is quick and painless. Shortly after signing the application, you'll receive a call to schedule a 30- to 40-minute phone interview that's used to gather health information and conduct cognitive tests. This provides the information needed to underwrite the policy and make a decision on the coverage. That's it!

When you meet with your advisor (a licensed insurance agent), he or she can help review your financial situation and provide additional details about costs, benefit conditions, limitations and exclusions.

TrioSource life insurance may not be available in all states. The policy is fully underwritten and issuance of coverage is subject to proof of insurability. Contact a financial advisor for more details.

All guarantees are based on the continued claims-paying ability of the issuing company.

The purpose of this communication is the solicitation of insurance.
1 You have two Return of Premium (ROP) options to choose from when you apply for coverage. The base option ROP percentage is 80% in all years. The enhanced option ROP percentage is 80% in year 1 and increases each year until it reaches 100% in years 6 and later. The return of premium is equal to ROP percentage times the total premium paid less any partial surrenders, outstanding policy loans and long-term care benefits paid.
View important information about life insurance and long-term care.
 
ICC19 115526
wyoming
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