5
AT TIME OF PURCHASE
6
At or before the time of purchase, you will receive an information folder that de-
scribes:
• Key benefits or features of your contract
• The range of investment options available to you through your contract
• Key information about the fund options (e.g., type of fund, past performance,
and costs and fees)
At the time of purchase, you will need to decide about:
• The types of investments you wish to make within your contract
• The types of guarantees you want for those investments
• Your beneficiary
• Any other options that might be available within your contract
You will need to complete an application at time of purchase with an insurance
advisor. Don't hesitate to ask your advisor or the life insurance company to clarify
anything you don't understand before you sign the application form.
You will also receive a policy contract, which sets out the terms of the agreement
between you and the insurance company and your rights regarding such matters
as future contributions, cash withdrawals, and guaranteed death benefit and
maturity values. In some cases, the contract will be attached to the application
form. In others, it will be provided to you after the insurance company receives
your application.
