*Policy loans, withdrawals, and payments made from the policy’s cash value may reduce the policy’s cash value and death benefit and may cause an investor to receive less than the original amount invested. Withdrawals may be subject to surrender charges and income tax. Penalties may apply to withdrawals made before age 59½ if the policy is a modified endowment contract.

**Any guarantees associated with payment of death benefits, income options, or rates of return are subject to the claims-paying ability of the insurer.

Note:Variable life and variable universal life insurance policies are offered by prospectus, which you can obtain from your financial professional or the insurance company. The prospectus contains detailed information about investment objectives, risks, charges, and expenses. You should read the prospectus and consider this information carefully before purchasing a variable life or a variable universal life insurance policy.