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

Sales Tools

Audience	Document	Updated	Link
Advisor Use Only	Forms	11/20/2025	Click Here
Advisor Use Only	Multi-Carrier Underwriting Guide	11/26/2025	Click Here

Product Resources

Audience	Document	Updated	Form Number	Link
Consumer Use	Gift of a Lifetime Consumer Flyer	07/21/2025	LI7026	Click Here
Consumer Use	Historical Dividend Results (Case Study) Consumer Brochure	07/21/2025	LI1020	Click Here
Consumer Use	Consistently Strong Historical Results Consumer Brochure	07/21/2025	LI7097	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	07/21/2025	LI10804e	Click Here
Advisor Use Only	Whole Life Historical DIR (Competitive Comparison)	07/21/2025	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

Dedicated Team

2025 fmiAgent Point Awards

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