The plan includes a Return of Premium, credited the 10th year, equal to almost 2 years of premium.
The plan includes an FPAR account, currently paying 3%, with a minimum lifetime guarantee of 2%, compounded daily and credited monthly, no minimums or maximum, and no fees or surrender charges. All the advantages of an annuity and savings account, but none of the disadvantages.
The plan includes a Service Option allowing premium allocation to a top performing mutual funds with a 84-year history with over 11% growth. This provides the maximum cash back at age 65.
The plan includes Protection Benefits for the unexpected. If you were to become ill, disabled, or die prematurely, TAX FREE money is provided to self complete the plan to age 65. This insures the cash back is there at age 65.