The company's principal activity is to provide life insurance and annuity products to business owners, growing families and pre-retirees. The products of the company include term life insurance, variable life insurance, variable annuity, universal life products, group universal life products and corporate-owned and bank-owned life insurance. The insurance and financial products are marketed and distributed directly to individuals primarily through parent company's career agency sales force and complementary distribution channels. The products are sold in 49 states, the district of columbia, the U.S. Virgin islands and Puerto Rico.