New product: Retirement supplement product that has living benefits and life insurance. Its contract is IRS compliant and allows loans against cash value that are not treated as income or capital gains, therefore non- taxable funds with lifetime of growth. Cash value is NOT invested in the market so no market crash risk, hence the guarantees. Dividends up to 12.5% by a 160 year old company rated A++/Excellent/Superior by all agencies. Best feature is using the cash value for loans, value does not decrease and owner earns interest on the full account value (including the loans).