Speculators buy homes with the intent of "flipping" them and doubling their money. However, for most Americans homeownership provides a comfortable lifestyle that involves a sensible investment opportunity. In today's market, these sensible homeowners can find themselves caught up in a speculative bubble that unfortunately is destined to burst. When forced by unforeseen circumstances to sell your home in the midst of a housing collapse, you can quickly see many years of savings erode to nothing.

For example, if you purchased a $200,000 home with a $40,000 down payment and the market goes down 20 percent, you would lose your entire investment or principal. This could put you in a real financial crisis.

Our unique Principal Protection feature is designed to protect you from such a loss by paying you the 20 percent market downturn. In this example you would receive your initial investment of $40,000. This protection offers you the flexibility to handle life's unforeseen events - for instance, a job promotion, new children or an early retirement. And with our 5 or 7 year Principal Protection option, you decide when to receive your principal protection benefit, for even greater flexibility.