*Life Insurance Premiums can increase annually after the initial guaranteed premium period. Our Policies are primarily offered in the state of California. Policy form numbers, product features and availability may vary by state. Consult policy for benefits, riders, limitations, and exclusions. There are no cash values. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. Any quote that is present is only an estimate and the actual premium and rate class will be determined after the underwriting process is completed. Neither WbatINS nor its representatives offer legal or tax advice. You should consult your attorney or tax advisor regarding your individual situation. The Company cannot increase the premium scale. All payments and all guarantees are subject to the claims paying ability of our providers.

*Investors should carefully consider the investment objectives, risks, charges and expenses of the applicable variable universal life insurance policy and its underlying investment options before investing. This and other information is contained in the prospectuses for the applicable variable universal life insurance policy and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting WbatINS via email at (Contact@WbatINS.com) or by phone 1(844) 922-8467.