Whole Life

Expand All

Product Features

  • Level premium, level death benefit participating whole life
  • Preferred Non-tobacco and Preferred tobacco starting at $100,000
  • Standard Non-tobacco and Standard Tobacco user rates also available
  • Life and 20 Pay options
  • Add Additional Insurance Rider to build cash values and add Paid up insurance
  • Add Level Term Rider for increased coverage for insured, spouse or other individual at minimal cost
  • Available in all states except Kentucky, New York, Montana and Washington

Additional Product Specs

Issue Ages (age last birthday)

Preferred Non-tobacco:25 - 80
Preferred Tobacco:25 - 80
Standard Non-tobacco:0 - 80
Standard Tobacco:16 - 80

Face Amount Limits and Bands
Minimum face amount is $15,000; there is no maximum face amount on the standard class and the preferred premium class is not available below a face amount of $100,000. Premium rate banding by policy size takes place at $15,000, $25,000, $50,000, $100,000, and $250,000 face amount.

Premium Modes
Annual, semi-annual, quarterly, and monthly bank draft

If declared, payable annually, starting at the end of policy year four. The dividend options that are available are cash, premium reduction, paid-up additions, or accumulation.

Annual Policy Fee
No annual policy fee. Entire premium is commissionable.

Underwriting Requirements/Guidelines
See Agent Guide, Form 8440, for details.

Riders Available*

  • Accidental Death Benefit Rider
  • Guaranteed Insurability Option (GIO)
  • Single Premium Additional Insurance Rider
  • Children’s Insurance Benefit Rider
  • 10 or 20 Year Level Term Rider
  • Waiver of Premium for Disability
  • Non-Occupational Disability Income Rider
  • Accelerated Death Benefit Rider available at no cost

* Riders are not available in all states. Rider details are available in the Agent Underwriting and Product Guide, Form 8440

Sample Rates

Sample Rates for Whole Life (Life Pay)
$25,000 Face Amount, Standard, Non-Tobacco
Monthly Bank Draft Premium

 Age 20Age 25Age 35Age 45Age 50Age 55Age 65

50,000 Face Amount, Standard, Non-Tobacco
Monthly Bank Draft Premium

 Age 20Age 25Age 35Age 45Age 50Age 55Age 65

$100,000 Face Amount, Preferred, Non-Tobacco
Monthly Bank Draft Premium

 Age 25Age 35Age 45Age 55Age 65

For More Information