Custom Whole Life

Traditional Par Whole Life

Issues Ages: 0-70

Minimum Face Amount: $50,000

Available Riders: Accidental Death Benefit, Child’s Protection Benefit, Chronic Care, Disability Waiver of Premium, Dividend Option Term, Extension of Premium-Paying Period, Insurance Exchange, Living Benefits, Option to Purchase Paid-Up Additions, Payer Protection Benefit, Policy Purchase Option, Spouse’s Paid-Up Insurance Purchase Option

Special Feature: Premium Deposit Account

PER CASE MINIMUM PREMIUM REQUIREMENT: $20,000

Financial Markets Inc is in contract with New York Life through the Advanced Markets Network of New York Life. The purpose of the Advanced Markets Network is to provide access to New York Life products through select BGA’s such as Financial Markets Inc for special large cases. To honor the franchise of the Career Agency System of New York Life, Financial Markets Inc is only allowed to facilitate underwriting of cases where total first year premiums per case meet or exceed $20,000.
This includes all funds including planned premium, lump sums and 1035-exchange premium.

Sales Tools

Audience	Document	Updated	Link
Advisor Use Only	Forms	06/09/2026	Click Here
Advisor Use Only	Multi-Carrier Underwriting Guide	06/10/2026	Click Here

Product Resources

Audience	Document	Updated	Form Number	Link
Consumer Use	Chronic Care Rider Consumer Fact Sheet	08/25/2025	14798.112023 SMRU5029078	Click Here
Consumer Use	Consumer Fact Sheet	08/25/2025	14256A.092021 SMRU1750258	Click Here
Consumer Use	Spouse’s Paid-Up Insurance Purchase Option Rider Consumer Brochure	12/19/2025	13757.032021 SMRU509239	Click Here
Advisor Use Only	Option to Purchase Paid-Up (OPP) Additions Rider Advisor Flyer	10/28/2025	SMRU5027509	Click Here
Advisor Use Only	Advisor Guide	10/28/2025	AD121	Click Here