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Accumulator 15 Junior

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Accumulator 15 Junior is a limited-pay whole life insurance for children to give them a head start toward their financial future. Accumulator 15 Junior accumulates tax-deferred cash values to pay for the child’s future college education and other future needs.

The gift of a lifetime for your child or grandchild to build their financial future.

Build financial security for your children or grandchildren that accumulates over time.


  • Guaranteed Protection – Paid up permanent life insurance at the end of the premium payment period. Lifetime insurance protection to age 121.
  • Guaranteed Level Premiums – Premiums are fixed and guaranteed never to increase.
  • Accessibility- Ability to access cash values via policy loans1, generally on a tax-free basis2.

Customize your policy by adding these features to meet your specific needs.

Payor Waiver of Premium Rider – Waives your policy premiums should the payor die or become totally disabled.

Accidental Death Benefit Rider – Provides additional benefit in the event of the insured’s accidental death.

Option to Purchase Additional Insurance Rider – Allows the purchase of additional insurance on the life of the insured at regular intervals without evidence of insurability.

1Policy loans will be determined from the available policy’s surrender cash value, when applicable. Policy loans accrue loan interest annually at 8.0%, and will reduce the death benefit by the amount of the loan and accrued loan interest. Surrenders are subject to a 14-year surrender charge.
2Under current tax law, IRC Section 101 (a). Please consult with a tax professional regarding your specific situation and whether this is suitable.

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