Smart Builder IUL 3

Issue Ages: 18 to 80 years (age last birthday)

Minimum Face Amount: $100,000

Riders Available:

  • Waiver of Surrender Charge Option
  • Accelerated Benefits – Terminal, Chronic, Critical
  • Children’s Term Insurance Rider
  • Guaranteed Insurability Rider
  • Waiver of Monthly Deductions Rider
  • Accidental Death Benefit Rider

Special Features:

  • Automatic Distribution Option
  • Return of Premium Death Benefit Option
  • Systematic Premium Allocation
  • Premium Deposit Agreement Available
  • Overloan Protection Benefit
  • Protected Death Benefit
  • Premium load is 0% on a current and guaranteed basis
  • Choice of loans
  • Variable interest rate loans available in policy year 1
  • 10% of surrender value is available for a penalty-free withdrawal beginning in policy year 2
  • Standard loans beginning in policy year one
  • Partial surrenders available in the first policy year
  • Variable interest rate

Sales Tools

AudienceDocumentUpdatedLink
Consumer Use“What is IUL?” Consumer Video06/04/2026Click Here
Consumer Use“How does IUL work?” Consumer Video06/04/2026Click Here
Consumer UseRetirement Planning Consumer Video06/05/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyWebinar Replays06/05/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide06/10/2026Click Here
Advisor Use OnlyMarketing Toolkit06/09/2026Click Here
Advisor Use OnlyProducts-At-A-Glance Microsite06/09/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseAccessing Your Policy’s Cash Value Consumer Brochure06/04/20261311NMhClick Here
Consumer Use“Help Solve for Cost of Care” Consumer Flyer06/05/20261576NMClick Here
Consumer UseConsumer Flyer09/26/20251573NM-4Click Here
Consumer UseConsumer Brochure09/26/20251573NM-3Click Here
Consumer UseHow Indexed Universal Life Insurance Works Consumer Flyer06/04/2026621NMClick Here
Consumer UseAccelerated Death Benefit Endorsements UL and IUL Consumer Guide06/04/2026240NM-4cClick Here
Consumer UseSimple Submit Next Steps Consumer Flyer06/09/2026259NM-3Click Here
Consumer UseRetirement Planning Consumer Brochure06/05/2026207NM-3Click Here
Consumer Use“Managing Your Tax Allocation” Consumer Flyer06/05/20261367NM-7aClick Here
Advisor Use OnlyAccelerated Death Benefit Endorsements Universal and Indexed Universal Life Advisor Guide06/04/2026240NM-7Click Here
Advisor Use OnlyIndexed Universal Life Marketing Guide06/04/2026241NMClick Here
Advisor Use OnlyProduct Highlights Flyer09/26/20251573NM-1Click Here
Advisor Use OnlyLife Products At A Glance Advisor Brochure06/09/2026221NMClick Here
Advisor Use OnlyStrength and Stability Brochure06/05/2026339NMClick Here
Advisor Use OnlySimpleSubmit Compatible Devices Flyer06/09/2026947NMClick Here
Advisor Use OnlyWriteAway Accelerated Underwriting Field Guide06/09/2026643NM-1aClick Here
Advisor Use OnlySimple Submit Advisor Guide06/09/2026259NM-1Click Here
Advisor Use OnlyMedical Reference Library06/09/2026136NL-bClick Here
Advisor Use OnlyRiders and Options Guide06/09/2026500NM-1Click Here
Advisor Use OnlyAccelerated Death Benefits Endorsements Advisor Guide06/09/2026240NMClick Here
Advisor Use OnlyOnline Part 2 Advisor FAQs06/05/2026643NM-36Click Here

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Smart Builder IUL 3
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