Anyone anticipating life changes, such as having children, taking on a bigger mortgage or changing careers should consider the benefits and protections of CustomLife II. This flexible universal life insurance product gives you the freedom to adjust premiums and death benefits, and it accumulates cash value at competitive interest rates.  If you choose to make maximum premium payments, you’ll earn more cash accumulation.

Advantages  

Premium flexibility
To compensate for changes in your income and budget, you can adjust your premium or the frequency of your premium payment within limits. Certain minimums must be met for protection to continue.  

Death benefit flexibility
You can increase or decrease your death benefit protection as your circumstances change.  (However, you must maintain a minimum amount of protection and may be required to provide evidence of insurability for increases.)  

Competitive interest rates
With CustomLife II, you earn a competitive interest rate, based on Modern Woodmen’s investment experience and current economic conditions. Interest rates are guaranteed never to fall below 4 percent.  

Tax-deferred growth
The value of your plan grows tax-deferred and compounds over the life of your certificate.  

Tax-free death benefit
If you die while your CustomLife II certificate is in force, your beneficiaries receive your death benefit income tax-free.