How would you like to have a life insurance policy that works the same as a Swiss Army knife? Not only does it have a guaranteed death benefit to a specific age between 95 and 121, which is chosen by the insured at the time of issue, it also has a Cash-Out rider* which allows the policy to be fully surrendered at the 15th, 20th or the 25th policy anniversary in exchange for a return of up to 100% of the premiums paid. This benefit is among the highest in the industry. In addi