1. Lifetime Builder
Lifetime Builder
When you’re ready to start building your life insurance
policy, one of your options is Aviva’s Lifetime Builder indexed
universal life.
Lifetime Builder Indexed Universal Life is a flexible life insurance policy that can fit many needs.
This product offers a death benefit while also giving you the opportunity to build cash value. The
policy’s cash value can earn interest based in part on the upward movement of a stock market
index, while offering protection against the impact of market downturns. We give you flexibility on
how much and how often you pay premiums. Lifetime Builder also gives you death benefit options,
interest crediting choices and several optional features to customize this policy for your individual
situation.
We designed this policy around our most
important customer: You!
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2. Paying your premium
Aviva gives you the flexibility to pay your premiums monthly,
quarterly or annually. Within limits1, you even choose the premium
amount based on the amount of coverage and your life insurance
objectives.
Premium amounts can be increased or decreased to be in line with your specific death benefit and
cash accumulation goals and can be adjusted, within limits, as those goals change.
One of the advantages of Lifetime Builder is that it allows you to adjust your premium based on
your current life stage. You can begin laying a solid foundation even when you’re starting out in life
with a limited budget. Then, as you enter new life stages, you can adjust your premium payments
and build more cash value for the future.
How your policy accumulates cash value
In a universal life insurance policy, net premiums2 go into the
Account Value of your policy, from which insurance costs and other
policy charges are deducted on a monthly basis. Interest is then
credited to your Account Value periodically. The Account Value
represents the cash accumulation feature of your policy.
Lifetime Builder is an indexed universal life With an indexed universal life policy, the life
insurance policy. The major difference between insurance provider, in this case Aviva Life and
traditional universal life and indexed universal Annuity Company, bears the investment risk of
life is the way interest is credited to the cash the policy. Your premium is never at risk, and
value of your insurance policy. your policy’s account value can never lose value
solely due to the declining movement of the
An Aviva indexed universal life insurance
stock market or any external influence.
policy credits interest based in part on the
upward movement of major stock market Indexed Universal Life policies are not
indices3 (e.g.—The Standard & Poor’s 500), stock market investments and do not directly
excluding dividends. This gives you greater participate in any stock or equity investments.
potential for growth compared to traditional Market Indices do not include dividends paid
universal life policies, where the interest rate is on the underlying stocks, and therefore do not
declared by the insurance company, particularly reflect the total return of the underlying stocks;
in a low-interest rate environment. an index universal life policy is not comparable
to a direct investment in the equity markets.
You also get a guaranteed minimum interest
Clients who purchase indexed universal life are
rate with an Aviva indexed universal life policy.
not directly investing in a stock market index.
While you take advantage of interest crediting
based in part on the market index going up, Aviva’s Lifetime Builder offers five index
you will not suffer losses due to the market crediting strategies, and two fixed-term interest
going down. That’s because buying an indexed crediting strategies that are not linked to an
policy does not involve actually purchasing or index, giving you choices to customize the policy
owning securities or stock, so it’s not the same for your unique situation.
as investing directly in the stock market. Lifetime
Builder simply uses stock market indices as a
measuring stick.
1 Your policy will include a contractual minimum premium payment to keep your policy in force. Also, because of the tax advantages of life
insurance, the Internal Revenue Code has established maximum premium limits based on your policy’s face amount.
2 Net premiums are your paid premiums less a percentage charge that varies based on the product selected.
3 Indexed interest crediting strategies are based on the upward movement of an index, subject to limitations such as caps and participation
rates. See your policy for details.

3. Interest Rate Guarantee
Lifetime Builder provides a guaranteed minimum interest rate of 2%. On the fixed-term strategies,
the policy guarantees that the declared interest rate will never be less than 2%. On the indexed
strategies, the policy guarantees that the interest credited will never be less than 2% compounded
annually over a defined period of time (either 1, 5, or 6 years, depending on the index crediting
strategy chosen). The guarantee will be applied at the end of the fixed period or upon termination or
maturity of the policy, whichever occurs first. These interest rate guarantees remain for the life of the
policy.
Death Benefit Options
Lifetime Builder provides two death benefit options. You can choose
one of these two options at policy issue.
You can choose a level death benefit.
Death Benefit = Face Amount
The advantage of choosing a level death benefit is that, as your Account Value grows, the amount
which your cost of insurance charges are based on decreases over the life of the policy. Your death
benefit will equal the face amount of your policy at the time of death, minus prior withdrawals or
unpaid loans.
Or you can choose an increasing death benefit.
Death Benefit = Face Amount + Account Value
The advantage of choosing an increasing death benefit is that your death benefit will not only
include the face amount, but also the account value of your policy.

4. Account Value Enhancement
Beginning with the 10th policy year, Aviva will credit an annual increase guaranteed to be 0.6% of
your policy’s Account Value per year and credited at the end of the policy year.
Surrender Charges
If you choose to cancel your policy or withdraw more than the contracted maximum, a surrender
charge may be assessed. Surrender charges apply in the first 15 years of your policy on a declining
schedule.
Loans and Withdrawals
At any time while your policy is in force and has cash value, you can take a loan from available
policy cash values and choose between a variable loan interest rate or a fixed interest rate. The
differences between these two options include how the loan interest is determined and the rate
credited to amounts borrowed. Consult your Aviva insurance professional about which option is right
for you.
Outstanding loans and withdrawals may reduce the policy’s death benefit and cash values.
You may also withdraw money from the policy after the first year, which then reduces the death
benefit and the cash value by the amount of the withdrawal. Tax consequences and/or surrender
charges could also apply. Surrender charges are not assessed on the first 20% withdrawn.
Our detailed annual statements show the cash value and death benefit will keep you
informed about your policy’s performance.
Optional Riders
Aviva offers several optional features, called riders, to further customize your Lifetime Builder
policy. You can choose riders that provide additional coverage or that protect you in case of disability
or confinement in a nursing facility or hospital. Aviva even offers its one-of-a-kind Wellness for
Life® Rider, which rewards you for practicing healthy habits by saving you money on your coverage.
For more information on how these riders work and what they can add to your policy, talk to your
insurance professional and refer to our Aviva Riders brochure.
This brochure contains highlights only. You should refer to your
Lifetime Builder IUL policy for a full explanation. All tax related
information contained herein is based on our current understanding of
federal tax laws as they relate to life insurance or other subject matter
discussed. These laws are subject to change in the future. Neither
Aviva nor its representatives offer legal or tax advice. You should
consult a personal tax advisor on any tax matters.
Products issued by and all policy benefits are the responsibility of
Products issued by
Aviva Life and Annuity Company, and not that of any other insurer or
Aviva Life and Annuity Company
company.
7700 Mills Civic Parkway
Guarantees provided are subject to the financial strength of the issuing West Des Moines, IA 50266-3862
insurance company; not guaranteed by any bank or the FDIC. www.avivausa.com
Policy form 2ECG10
Covered by United States Patent No. 7,376,609
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