10 Pay Whole Life
Minimum Face Amount:
Qualified and Non-Qualified
Non Tobacco/Tobacco: $25,000
Preferred: $100,000
Issue Ages:
0-85 for Standard Underwriting Classes*
18-80 for Preferred Underwriting classes
*Qualified: minimum issue age is 18
Riders Available: Accelerated Death Benefit Plus Rider, Accelerated Death Benefit Rider, Fixed Premium Paid-Up Additions Rider, Level Premium Paid-Up Additions Rider, Single Premium Paid-Ups Additions Rider, Term Life Insurance Rider, Children’s Insurance Rider, Waiver of Premium Disability Benefit Rider, Premium Deposit Fund Rider (PDF), Premium Deposit Fund Max Rider (PDF Max)
Special Features:
- Guaranteed Level Premium, payable for 10 years
- Guaranteed Death Benefit
- Guaranteed Cash Value
- Ability to increase the death benefit and cash-value accumulations through the use of a SPUA rider
- Dividend options which may enhance cash values and/or death benefits or reduce out-of-pocket premium
- Access to policy values through low-cost policy loans or withdrawals of dividends
- Access to living benefits through the Accelerated Death Benefit PLUS Rider, which is automatically included subject to age, rate class, and chronic illness underwriting standards.
Sales Tools
Audience | Document | Updated | Link |
---|---|---|---|
Producer Use Only | Forms | 04/24/2024 | Click Here |
Producer Use Only | Multi-Carrier Underwriting Guide | 04/05/2024 | Click Here |
Product Resources
Audience | Document | Updated | Form Number | Link |
---|---|---|---|---|
Producer Use Only | Whole Life Producer Guide | 12/06/2023 | LL-2218 | Click Here |
Producer Use Only | Product Highlights | 12/13/2023 | LL-2698 | Click Here |
Producer Use Only | Agent Reference Manual – Whole Life | 12/06/2023 | LL-2558-C | Click Here |
Producer Use Only | Agent Reference Manual – Special Class and Occupation | 04/25/2024 | LL-2558-F | Click Here |
Producer Use Only | Level Premium Paid-Up Additions Rider Specifications | 12/06/2023 | LL-2694 | Click Here |
Producer Use Only | Agent Reference Manual – Field Associates Bulletins | 04/25/2024 | LL-2558-I-IMO | Click Here |
Producer Use Only | Agent Reference Manual – All Products | 04/25/2024 | LL-2558-B-IMO | Click Here |
Producer Use Only | Waiver of Premium Disability Benefit Rider Specifications | 12/06/2023 | LL-2727 | Click Here |
Producer Use Only | Accelerated Death Benefit PLUS Rider Specifications (All states except CA) | 12/06/2023 | LL-2824 | Click Here |
Producer Use Only | Whole Life Rider Overview | 12/06/2023 | LL-2212 | Click Here |
Producer Use Only | Competitive Update – Direct vs. Non-Direct Recognition Flyer | 12/06/2023 | LL-2639 | Click Here |
Producer Use Only | Whole Life Product Comparison | 12/06/2023 | LL-2211 | Click Here |
Producer Use Only | Term Exchange Program Flyer | 12/06/2023 | LL-2023 | Click Here |
Consumer Use | Consumer Brochure | 12/13/2023 | LL-2697 | Click Here |
Consumer Use | “What is A Dividend?” Consumer Flyer | 12/06/2023 | LL-2724 | Click Here |
Consumer Use | “The Value of Dividend-Paying Whole Life Insurance” Consumer Brochure | 12/06/2023 | LL-2665 | Click Here |
Consumer Use | Accelerated Death Benefit PLUS Rider Consumer Brochure (All states Except CA) | 12/06/2023 | LL-2823 | Click Here |
Dedicated Team
2024 fmiAgent Point Awards
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