Access Whole Life

Underwritten:

Issue Ages: 0-85 (Age Nearest Birthday)
Not all underwriting classes may be available at all issue ages.

Minimum Face Amount:
$25,000 Standard Non-Tobacco, Standard Tobacco, Rated
$100,000 All other classes

Riders Available: Accidental Death Benefit, Care4Life Accelerated Death Benefit, Children’s Insurance Rider, Flexible Paid-Up Rider, Guaranteed Insurability Rider, Level Term Rider, Waiver of Premium

 

Simplified Issue:

Issue Ages: 0-95 (Age Nearest Birthday)
Not all underwriting classes may be available at all issue ages.

Minimum Face Amount: $1,000

Riders Available: Accelerated Benefit for Terminal Illness, Flexible Paid-Up Rider

Sales Tools

AudienceDocumentUpdatedLink
Consumer UseCompany Overview Brochure07/22/2026Click Here
Advisor Use OnlyForms06/09/2026Click Here
Advisor Use OnlyMulti-Carrier Underwriting Guide10/08/2026Click Here

Product Resources

AudienceDocumentUpdatedForm NumberLink
Consumer UseConsumer Brochure07/24/2026LI2536Click Here
Consumer UseWhole Life Insurance Dividend History Report07/24/2026LI1941Click Here
Consumer UseFinancial Strength Highlights07/22/2026HC 1449Click Here
Advisor Use OnlyUnderwriting Guidelines – U.S. Residents Who are ot U.S. citizens07/22/2026LI-2581Click Here
Advisor Use OnlyGlobal Traveler Underwriting Guidelines07/22/2026LI-2582Click Here
Advisor Use OnlySimplified Issue Advisor Guide07/22/2026LI 2539Click Here
Advisor Use OnlyUnderwritten Advisor Guide07/22/2026LI 2538Click Here
Advisor Use OnlyWhole Life Quick Reference Guide07/24/2026LI1783Click Here
Advisor Use OnlyState Approval Grid07/22/2026LI2350Click Here

Dedicated Team

2026 fmiAgent Point Awards

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