All Insurance Products

There are a variety of premium choices for your whole life insurance policy:
Level premium: The premium remains level throughout the life of the policy or as long as the insured is living.
Single premium: One relatively large life insurance premium paid at policy issuance; which results in an immediate cash value and loan value.
Indeterminate premium: Premiums are adjustable throughout the course of the policy based on expenses, mortality rates, and investment earnings. Premiums may never exceed the guaranteed maximum rate.

Policy Riders to Consider:
In addition to the death benefit and cash value of your whole life insurance policy, additional provisions called riders, can provide an added benefit to your policy. Riders usually come with an increase in the premium amount:

Accelerated death or living benefit: A large portion of the life insurance policy paid prior to death, upon diagnosis of a terminal illness.
Critical illness benefit: An amount paid upon diagnosis of a defined critical illness, such as cancer or heart attack.
Accidental death benefit: Usually doubles the death benefit if death results from an accident.
Waiver of premium: Waives the premium but keeps the life insurance policy current if the policy holder becomes disabled.
Waivers: Excludes payout of death benefit due to deaths resulting from hazardous hobbies, acts of war, etc.