Living Benefits

Death Benefit

Guarantee

Tax Free

Inflation Proof

Deflation Proof

Divorce Proof

Bankruptcy Proof

AGE LIMITATIONS

(can’t take out until 59 1/2

and must start withdrawal

at age 70 1/2

Loans Tax Free

401K / IRA / Other Plans

NO

NO

NO

NO

NO

NO

NO

NO

YES

YES

NO 

UNIVERSAL LIFE

YES

YES

YES

YES

YES

YES

YES

YES

NO

NO

YES