Equimax provides participating* whole life insurance that offers
permanent protection with guaranteed premiums, cash values and
death benefit. The cash value can be accessed to fund education,
renovate your home or even supplement your retirement income.
Use it in any way you choose.
Why it makes sense
Equimax can help you:
- Provide for your loved ones The
death benefit can be used to replace your income and maintain your
- Create an inheritance The tax-free
death benefit creates an instant legacy for your loved ones or a
- Preserve an inheritance Your
beneficiaries can use the proceeds to cover final expenses, taxes
and fees payable at death, keeping their inheritance intact.
- Build wealth you can access Use
the cash value to supplement your retirement income, help pay for
your children's education or financial needs, or even pay future
premiums on your policy.
- Protect your children Equimax 20
Pay can provide your child or grandchild with paid-up, permanent
insurance protection at low children's rates, plus access to cash
values to fund education.
Choice of plans to meet your needs
In a low interest rate environment where
guarantees are scarce, Equimax provides a stable, hands-off
investment option that offers tax-sheltered growth. With two plan
types to choose from, you can select the plan and features that
best meet your insurance and savings goals.
For those looking for higher long-term value. Ideal for
estate planning and covering taxes and fees at death so your estate
passes intact to your heirs.
For those looking for higher early cash values within the first
20 years. Ideal for building wealth you can access during
Customizing a plan just for you
With Equimax participating whole life insurance,
you can choose between a life pay or 20 Pay option
(premiums payable for 20 years) as well as customize your plan
with optional benefits to meet your unique needs.
Giving your children a head start for tomorrow
Purchase an Equimax 20 Pay policy on your children or grandchildren
today, and they will benefit from a paid-up base plan that provides
insurance protection at a time when their needs are high but their
discretionary income may not be.
Adding the Flexible Guaranteed Insurability Option Rider
guarantees their right to purchase, without evidence, up to
$500,000 of additional insurance in the future, when major life
events increase their need for insurance protection.
* Dividends are not guaranteed. They
are subject to change, and will vary based on the actual investment
returns in the Participating Account as well as mortality, expense,
lapse, claims experience, taxes and other experience of the