Life Insurance co. of the Southwest announced improvements to two of its universal life products, Harbor and Horizon UL products. The Harbor policies have restructured guarantees, meaning a 5 percent guaranteed interest rate for the first 10 years and a 3 percent guaranteed rate after that. Horizon, a cash-accumulation product applicable to the affluent and emerging affluent markets, has added an Additional Protection Benefit and a Balance Sheet Benefit rider, which make it a good fit for advisors with business owners among their clients.

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