state product approvals as of 12-15-2018 click on each ... · nursing home or confined care...
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Click on each State for Approved Optional Riders & BenefitsState Product Approvals as of 12-15-2018
Sage T
erm - 1
0/15/2
0 Yea
r Term
Sage N
LUL - No Lap
se Unive
rsal L
ife
Sage I
ndexed
Universa
l Life
(IUL)
Sage W
hole Life
Interes
t Sen
sitive
Single Prem
ium Whole
Life
Fixed In
dexed
Single Prem
ium Whole
Life
Sage S
ecure
FIA - Fixe
d Index
ed Annuity
Sage S
elect
FIA - Fixe
d Index
ed Annuity
Single Prem
ium Immed
iate A
nnuity (S
PIA)
Sage C
hoice SPDA - S
ingle Prem
ium Deferre
d Annuity
Milesto
ne MYGA - S
ingle Prem
ium Deferre
d Annuity
Alabama
Arizona
Arkansas
California N/A N/A N/AColorado
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana N/A N/A
Maryland
Massachusetts N/A N/A
Michigan
Minnesota
Mississippi
Missouri
Montana N/A N/A N/A N/A N/A N/A N/ANebraska
Nevada
New Hampshire N/A N/A N/A N/A
New Jersey N/A
New Mexico
North Carolina N/A
North Dakota
Ohio
Oklahoma
Oregon N/A N/A
Pennsylvania N/A N/A
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Virginia N/A
Washington
West Virginia
Wisconsin
Wyoming
Product Approved♦ Product Approved with Unisex Rates Product Approved - Accelerated Death Benefit is payable due to Terminal Condition or Chronic Illnessx Product Approved - Accelerated Death Benefit is payable due to Terminal Condition or Nursing Home Confinement Product Approved - Accelerated Death Benefit is only payable due to Terminal ConditionN/A means that the Product is not available in that state at this time 9091
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Riders & Benefits Available by Product as of 12-15-2018
Alabama Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
Riders & Benefits Available by Product as of 12-15-2018
Arizona Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider
Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
Riders & Benefits Available by Product as of 12-15-2018
Arkansas Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
California Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic IllnessDue to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option RiderMarket Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection RiderWaiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
Riders & Benefits Available by Product as of 12-15-2018
Colorado Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
Riders & Benefits Available by Product as of 12-15-2018
Delaware Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
District of Columbia Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Florida Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
uty
(SPI
A)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Georgia Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Hawaii Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustement Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Idaho Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Fixe
d In
dexe
d Un
iver
sal L
ife
Inte
rest
Sen
sitiv
e Si
ngle
Pre
miu
m W
hole
Life
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Illinois Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Indiana Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Iowa Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Kansas Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Kentucky Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Louisiana Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeSa
ge S
ecur
e FI
A - F
ixed
Inde
xed
Annu
ity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Maryland Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Massachusetts Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeSa
ge S
ecur
e FI
A - F
ixed
Inde
xed
Annu
ity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Michigan Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Minnesota Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Mississippi Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insuranbility Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Missouri Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Montana Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option RiderMarket Value AdjustmentNursing Home or Confined Care Facility Confinement/Terminal Illness BenefitNursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection RiderWaiver of Monthly Deductions RiderWaiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Nebraska Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Nevada Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
New Hampshire Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Univ
ersa
l Life
(IUL
)
Sage
Who
le L
ifeSa
ge S
ecur
e FI
A - F
ixed
Inde
xed
Annu
ity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider
Guaranteed Insurability Option Rider
Market Value Adjustment
Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit
Nursing Home Facility or Confined Care Facility Confinement Benefit
One Time Withdrawal RiderOver Loan Lapse Protection Rider
Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
New Jersey Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
New Mexico Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
North Carolina Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
North Dakota Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guarantedd Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement BenefitOne Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Ohio Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
IUL)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Oklahoma Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Oregon Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeSa
ge S
ecur
e FI
A - F
ixed
Inde
xed
Annu
ity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Pennsylvania Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeSa
ge S
ecur
e FI
A - F
ixed
Inde
xed
Annu
ity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Rhode Island Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
South Carolina Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
South Dakota Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement BenefitOne Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Tennessee Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Texas Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Utah Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Virginia Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefir & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Washington Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
West Virginia Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Wisconsin Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091
Riders & Benefits Available by Product as of 12-15-2018
Wyoming Sage
Ter
m -
10/1
5/20
Yea
r Ter
m
Sage
NLU
L - N
o La
pse
Univ
ersa
l Life
Sage
Inde
xed
Unive
rsal
Life
(IUL
)
Sage
Who
le L
ifeIn
tere
st S
ensi
tive
Sing
le P
rem
ium
Who
le L
ife
Fixe
d In
dexe
d Si
ngle
Pre
miu
m W
hole
Life
Sage
Sec
ure
FIA
- Fix
ed In
dexe
d An
nuity
Sage
Sel
ect F
IA -
Fixe
d In
dexe
d An
nuity
Sing
le P
rem
ium
Imm
edia
te A
nnui
ty (S
PIA)
Sage
Cho
ice
SPDA
- Si
ngle
Pre
miu
m D
efer
red
Annu
ity
Mile
ston
e M
YGA
- Sin
gle
Prem
ium
Def
erre
d An
nuity
Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement
Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider
Benefit & Rider availability and features may vary by state.FOR PRODUCER USE ONLY - DO NOT DISTRIBUTE
9091