Universal life insurance provides a death benefit while allowing cash value to accumulate on a tax-deferred basis, according to current tax laws. Cash value accumulates at an interest rate that is always greater than or equal to the interest rate guaranteed in the policy.*

We offer universal life insurance products that vary depending on your needs or where you work.

The target premium for Horizon Global, Horizon Global - New York, and Horizon 2000 emphasizes cash value accumulation.

Products and services provided by ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York. All products are not available in all states and may vary by state.

*Universal life insurance builds cash value, which accumulates at the current non-guaranteed interest rate. Changes in the current non-guaranteed interest rate, current cost of insurance rates, and current expense charges will affect the cash value. The current non-guaranteed interest rate will never be less than the guaranteed interest rate that is shown in the policy.

This communication [and any attachments] is not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of avoiding any tax penalties that may be imposed on such person, and cannot be used or referred to, in promoting, marketing, or recommending to another party any transactions or matters addressed herein.