Many riders offer additional coverage or special benefits. Sector Sectors are different segments of the economy, particular industries, or even parts of industries. The dollar amount of the death benefit selected at initial purchase plus or minus any increases or decreases you make later. Typically, these are investments that are very stable, having little fluctuation in principal. Stocks Stocks represent a share of ownership in a company.
Stocks can be volatile, but clearly offer the greatest opportunity for growth.
The fee charged to annuity contract owners who unexpectedly need to withdraw annuity assets. Term Insurance Term insurance is life insurance that is in force for a specific time period, or term. It expires without value if the insured survives the time period specified. Back to Top Universal Life Insurance Universal life insurance is a flexible-premium policy under which the policyowner may change the death benefit and vary the amount or timing of premium payments. To the extent premium payments exceed the amount necessary to provide death benefit protection and pay the policy's expense charges, the extra is added to the accumulation value.