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A financial professional must be a properly licensed and appointed life insurance producer to sell life insurance products.

^*For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j).

Indexed Universal Life Insurance products do not directly participate in any stock or equity investments.

¾«¶«Ó°Òµ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

Life insurance is subject to underwriting and approval of the application and will incur monthly policy charges. 

Product(s) Not Available in New York.

¾«¶«Ó°Òµ refers to ¾«¶«Ó°Òµ and its affiliates, including ¾«¶«Ó°Òµ & Annuity Company. Insurance products can be issued in all states, except New York, by ¾«¶«Ó°Òµ or ¾«¶«Ó°Òµ & Annuity Company. In New York, insurance products are only issued by ¾«¶«Ó°Òµ & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

¾«¶«Ó°Òµ, its affiliates, their distributors and respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.

Insurance products and their guarantees, including optional benefits and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the life insurance company with regard to such guarantees as these guarantees are not backed by the broker-dealer, insurance agency, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the life insurance company.

The home office for ¾«¶«Ó°Òµ & Annuity Company is located in Phoenix, Arizona. The home office for ¾«¶«Ó°Òµ is located in Omaha, Nebraska.

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