Beaches, Sports Metaphors, & Premium Financing

<p>The description of the premium financing product and S&P 500 index returns was solely for illustrative purposes to describe the product and are not based on actual returns.  Past performance is not indicative of future results.  Premium financing involves certain risks that you should be aware of before investing, including but not limited to, interest rate risk.  Specifically, the owner of a variable policy from a premium finance loan that uses a variable interest rate could end up owing more for the premium the policy is worth due to rising interest rates. Note regarding the use of LIBOR as a reference rate: The discontinuation of LIBOR as a reference rate, currently expected to occur after 2021, could have a significant impact on the investment products, the entities who sell these products, and the overall financial market, in general.  <a href="https://www.sec.gov/news/public-statement/libor-transition">Click here for more information</a>.</p>