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Universal Life Insurance
Even if you already have term life insurance provided by Advocate, you might decide to consider additional coverage in the form of Universal Life Insurance.
Within the past few years, have you:

Increased your consumer debt?
Changed your income, financial responsibilities or goals?
Purchased a new home or car?
Had any children, or included aging parents or other relatives in your financial responsibilities?
Evaluated the effect of inflation on your current life insurance coverage?

If you said "Yes" to any of these questions, you may not have enough life insurance.

Why individual Universal Life Insurance?

Horizon Global Universal Life Insurance is designed to provide life insurance coverage for your lifetime, as long as sufficient premiums are paid. This policy offers you life insurance protection, tax-deferred cash value accumulation (based on current tax laws )*, cash value loans and partial withdrawal privileges—all in one policy.

Other benefits of this Universal Life Insurance policy include the following:

Benefits
Financial protection Payroll deduction
Affordable Portable
Flexible Cash value accumulation
Cash value loans Annual reports

Optional Benefits
Spouse coverage Child coverage

Universal Life Insurance builds cash value which accumulates at the current non-guranteed interest rate. Changes in the current non-guaranteed interest rate, current cost of insurance rates, and current expense charges will affect the cash value. The current non-guaranteed interest rate will never be less than the guaranteed interest rate that is shown in the policy. Commissions are part of the arrangement.

Issued and underwritten by: ReliaStar Life Insurance Company
Policy Form #: RL-ULU-1000-98
Children's Term Rider #: RL-ULU-CTR-98

If you are interested in enrolling in or finding out more about Horizon Global-Qualified Issue Universal Life Insurance offered by ING Employee Benefits, please contact your Enrollment Representative who is a licensed insurance agent:

Al Wheatland, Employee Security Plans, Inc., 800-373-3771

ING Group is a global financial institution, active in banking, insurance and asset management in 65 countries. It is one of the largest integrated financial services organizations in the world with over $467 billion in assets under management. In the United States, ING owns Equitable Life Insurance Company of Iowa, ING Variable Annuities (Golden American Life), Security Life Insurance of Denver, ING Pilgrim Funds, Southland Life Insurance Co., ReliaStar Life Insurance Company, Northern Life Insurance Company, and Aetna Financial Services. If you would like more information about ING, please click here.