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Vista Elite/Vista
Select — Providing choice, flexibility, value and security via three interest crediting
strategies, adjustable premiums and death benefit, cash value accumulation, and the option to
participate in the potential growth of the S&P 500* while protecting policy values against potential
downside market risks with underlying guarantees. Vista Elite and Vista Select have a 100%
participation rate (the percentage of index growth a policyowner is eligible to earn) that’s
guaranteed for the life of the policy as well as 5-year and 15-year no-lapse premium guarantees. In
addition, Vista Elite offers a no-cost Waiver of Surrender Charge Due to Confinement rider allowing
access of up to 25% of the policy’s account value without surrender charges if the insured is
confined to a hospital or inpatient nursing facility for 30 or more consecutive days.
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| Owners of
Universal Life policies can specify the premium amount they will pay within certain minimums and
maximums. This flexibility allows policyowners to tailor the product to fit their specific
retirement and insurance planning needs.
Horizon ULC
— Offers flexible premiums for family
business, estate and retirement planning. This is a great low-cost alternative to term insurance and
has a built-in, 10-year no-lapse guarantee period. By purchasing the new No-Lapse Guarantee Rider,
the Horizon ULC policy death benefit can be extended, on a guaranteed basis, for to age 100.
Horizon ULFlex — Offers
flexible premiums and low minimum face amounts. Horizon ULFlex offers a built-in, 5-year basic
no-lapse guarantee period and is ideal for individual insurance needs or cash accumulation. By
purchasing the new No-Lapse Guarantee Rider, the Horizon ULFlex policy death benefit can be
extended, on a guaranteed basis, to age 100.
Horizon SUL
— Insures two lives, and offers premium
flexibility and adjustable coverage. Each Horizon SUL policy has a built-in 5-year no-lapse
guarantee period. Because the death benefit is paid at the second death, Horizon SUL is well-suited
for estate and charitable gift planning.
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Term insurance is
designed to provide protection for a specified period of time. Though the policy has no cash value,
if you have a temporary need for life insurance or are on a limited budget, term insurance may be
the best choice for you. Indianapolis Life has several cost-effective term plans that guarantee
level premiums for a stated number of years.
Series 1000 — Low cost term
coverage with guaranteed level premiums for the entire term period (10, 15, or 20 years).
10-, 15- or 20-Year Term available.
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| Annuities can help you
address your need for retirement income. Indianapolis Life offers a Flexible Premium Deferred
Annuity that allows you to make or receive a series of payments and accumulate money at current
interest rates on a tax-favored basis in an environment of safety and security.
Flexible Premium Deferred Annuity
(FPDA) — Offers current interest rates for individuals wanting to contribute money on a regular
basis to save for retirement.
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| These products are
designed to meet the very special needs of individuals, business owners, executives and
professionals. Excess Interest Whole Life Products give you guaranteed premiums and guaranteed death
benefits with current interest crediting.
Vista Premier — Geared toward
high net worth individuals, small businesses and the pension market, Vista Premier is an excess
interest whole life policy with an equity indexed feature. It offers guaranteed level premiums,
guaranteed minimum cash values, guaranteed level death benefit and the choice of three interest
crediting strategies.
Survivor VIP — This product is
similar to our EVIP, but it insures two lives. Survivor VIP offers unique premium payment options
and is geared toward high net worth individuals with estate liquidity needs.
20-Pay Life — A policy
guaranteed to be paid up in 20 years if premiums are paid as specified in the contract. If you're
looking for a product with a limited payment plan, this is a good product for you. |
| * |
"S&P 500 Composite Stock Price Index" is a trademark of The McGraw-Hill
Companies, Inc. and has been licensed for use by Indianapolis Life Insurance Company,
Indianapolis, Indiana. Indianapolis Life's equity indexed life products are not sponsored,
endorsed, sold or promoted by Standard and Poor's, and Standard and Poor's makes no
representation regarding the advisability of purchasing these products. |
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