The death benefit is the greater of (i) the Amount of Insurance or (ii) the Contract Fund before deduction of any monthly charges due on that date, multiplied by an Attained Age factor shown in the policy, less any outstanding loans. A death benefit is not available if, prior to death, the policy has matured, was surrendered, or indebtedness from policy loans exceeded the policy’s loan value. In the first two years, a suicide exclusion applies and the policy is contestable for material misrepresentation.

Receipt of accelerated death benefits may affect eligibility for public assistance programs and may be taxable. There is no premium charge for this benefit. However, upon election, the benefit is discounted because it is an early payment and a onetime processing fee of $150 is deducted.

Surrenders of, withdrawals from, and loans against a policy will reduce the death benefit and cash value by reducing the Amount of Insurance and Contract Fund. Loans accrue interest and, if they exceed the policy’s loan value, can cause the policy to lapse. Each method of accessing your policy’s cash value has advantages and disadvantages and is subject to different tax consequences. See Tax Information section.

Legacy Solution is issued by S.USA Life Insurance Company, Inc., headquartered in Roanoke, VA. S.USA Policy Form # ICC16SPLPUECS16, SPLPUEDE18, SPLPUEFL18, SPLPUECA18. Not licensed in all states. Features may vary by state.

Legacy Solution is issued in New York by SBLI USA Life Insurance Company, Inc. (New York, NY), form # SPLPSENY19. Not licensed in all states. Features may vary by state.

Legacy Solution is issued in California by S.USA Life Insurance Company, Inc. , form # SPLPUECA18. Not licensed in all states. Features may vary by state.

Prosperity Life Group has engaged WealthVest Marketing Inc. to wholesale products issued by the Member Companies.