Survivorship Indexed Universal Life
No-Lapse Guarantee Second-to-Die
Issue Ages: 18-85 (Age Last Birthday)
Minimum Face Amount: $200,000
Riders Available: Survivorship Benefit Access Rider, Estate Protection Rider, Guaranteed Policy Split Rider, The Enhanced Cash Value (ECV) Rider
Special Features:
- Will Accept One “Uninsurable”
- Non Tobacco rates for Non Cigarette nicotine users
- New! Survivorship BenefitAccess Rider offers additional flexibility for couples concerned with the financial risks of chronic or terminal illness, particularly during widowhood.
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Advisor Use Only | Forms | 06/09/2026 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 10/08/2026 | Click Here |
| Advisor Use Only | Product eCourse | 07/21/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Consumer Brochure | 07/21/2026 | 1011213-00009-00 | Click Here |
| Advisor Use Only | Specimen Policy | 07/21/2026 | ISG_AT_ILI19_01 | Click Here |
| Advisor Use Only | State Approvals | 06/22/2026 | NR-23201639 | Click Here |
| Advisor Use Only | Product Highlights | 07/21/2026 | 1008035-00009-00 | Click Here |
| Advisor Use Only | Life Insurance Needs in the Women’s Market Flyer | 06/22/2026 | 1050258-00003-00 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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