In addition to its annuity products, LSW also offers universal life, indexed universal life and term insurance. A hallmark of LSW's life products are their living benefits, including terminal, chronic, and critical illness riders.* Frequently referred to as "life insurance you do not have to die to use," LSW's combination of sound life insurance products and comprehensive riders can help provide financial security to individuals, families, and business owners. Established in 1955, LSW's mission is to provide secure insurance and annuity products that policyholders can depend on regardless of market conditions. LSW is licensed to solicit business in all states except New York.

* Living Benefits are provided by Accelerated Benefit Riders. These no additional premium riders are optional, and may not be available in all states. Receipt of Accelerated Benefits will reduce the Cash Value, Loan Value and Death Benefit otherwise payable under the policy, may result in taxable event, and may affect your eligibility for public assistance programs.