You may wish to seek advice from a financial adviser before making a commitment to purchase an Universal Life Insurance Policy. If you choose not to seek advice from a financial adviser, you should consider whether the Universal Life Insurance Policy in question is suitable for you. Insurance policies are underwritten by the respective insurers and are not bank deposits, obligations of, nor guaranteed by HL Bank. Buying an Universal Life Insurance Policy is a long-term commitment. An early termination of the policy usually involves high costs and the surrender value payable may be less than the total premiums paid. The specific terms and conditions of the plan are set out in the policy documents. HL Bank is not responsible or liable for any loss or damage arising directly or indirectly in connection with, or as a result of, any person acting on any of the information in this document.