Whole Life High Early Cash Value
Whole Life High Early Cash Value (HECV) was designed for businesses to use in connection with selective benefit programs for key employees and executives. Premiums for HECV are payable to age 85. Face amount increases are available with HECV.
Issue Ages:
- 0-75 Non-Qualified
- 17-75 Qualified
Minimum Face Amount: $100,000
Minimum Increase: $25,000
Riders Available: Waiver of Premium, LTCAccess, Additional Life Insurance, Planned Additional Life Insurance, Life Insurance Supplement, Guaranteed Insurability, Renewable Term, Accelerated Death Benefit, Transfer of Insured, Yearly Term Purchase, Living Well Rider
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Advisor Use Only | Forms | 06/09/2026 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 06/08/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Gift of a Lifetime Consumer Flyer | 05/21/2026 | LI7026 | Click Here |
| Consumer Use | Dividend Interest Rate (DIR) Explained Consumer Flyer | 05/21/2026 | LI9189 | Click Here |
| Consumer Use | Historical Dividend Results (Case Study) Consumer Brochure | 05/21/2026 | LI1020 | Click Here |
| Consumer Use | Consistently Strong Historical Results Consumer Brochure | 05/21/2026 | LI7097 | Click Here |
| Consumer Use | Creating Value for Policyowners Consumer Brochure | 05/21/2026 | LI7486 | Click Here |
| Consumer Use | A Simplified Look at How the DIR is Applied Consumer Brochure | 05/21/2026 | LI7159 | Click Here |
| Consumer Use | Historical Dividend Studies Consumer Brochure | 05/21/2026 | LI7954 | Click Here |
| Advisor Use Only | MassExpress Advisor Flyer | 11/20/2025 | U1017 | Click Here |
| Advisor Use Only | Guidelines for Foreign Travel | 11/20/2025 | LI7553 | Click Here |
| Advisor Use Only | Guidelines for Foreign Citizens Living in the U.S. | 11/20/2025 | LI7552 | Click Here |
| Advisor Use Only | Whole Life Portfolio | 06/03/2026 | LI10804e | Click Here |
| Advisor Use Only | Whole Life Historical DIR (Competitive Comparison) | 05/21/2026 | CI1059LI | Click Here |
| Advisor Use Only | Underwriting Sweet Spots | 11/25/2025 | LI6005 | Click Here |
| Advisor Use Only | Platinum Pass Program Guide | 11/20/2025 | LI7210 | Click Here |
| Advisor Use Only | Understanding Policy Loans and Dividends Advisor Brochure | 05/22/2026 | LI1045 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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