Whole Life

Expand All

Product Features

  • Level premium, level death benefit participating whole life
  • Preferred Non-tobacco and Preferred tobacco starting at $15,000
  • Standard Non-tobacco and Standard Tobacco user rates also available
  • Life and 20-Pay options
  • Add Additional Insurance Rider to build cash values and add paid-up insurance
  • Option of seven riders for enhancing coverage
  • Accelerated Death Benefit rider added automatically at issue at no cost to the insured!
  • Rate Quote tool
  • Available in all states except Montana and New York

Additional Product Specs

Issue Ages (age last birthday)

Special Non-tobacco:

18 - 80

Special Tobacco:

18 - 80

Standard Non-tobacco:

0 - 80

Standard Tobacco:

18 - 80

Face Amount Limits and Bands
Minimum face amount is $15,000
Maximum face amount is $150,000

The applied-for face amount and eligibility for simplified underwriting through $150,000 could be impacted by existing coverage (standard and substandard), as well as prior declines and disability status. For ages 61-80, face amounts of $75,001-$150,000, the agent must order a paramedical exam and urine specimen.

Premium Methods
Direct Bill: Annual, semi-annual, and quarterly
Bank Draft EFT: Annual, semi-annual and monthly

Dividends
Non-guaranteed dividends; regular dividends are zero (0) for each of the first three policy years.

Annual Policy Fee
No annual policy fee.

Underwriting Requirements/Guidelines
See Agent Guide, Form 8782, for details.

Riders Available*

  • Accidental Death Benefit Rider
  • Guaranteed Insurability Option (GIO)
  • Single Premium Additional Insurance Rider
  • Children’s Insurance Benefit Rider
  • Waiver of Premium for Disability
  • Non-Occupational Disability Income Rider
  • Accelerated Death Benefit Rider available at no cost

* Riders are not available in all states. Rider descriptions are available in the Agent Underwriting and Product Guide, Form 8782

Sample Rates

Sample Rates for aPriority® Whole Life (Life 20-Pay)
includes GIO equal to face and Accidental Death Benefit Rider

$25,000 Face Amount, Standard, Non-Tobacco
Monthly Bank Draft Premium

 

Age 10

Age 15

Age 18

Male

$33.41

$37.37

$43.03

Female

$30.65

$34.07

$39.36

 

$20,000 Face Amount, Standard, Non-Tobacco
Monthly Bank Draft Premium

 

Age 10

Age 15

Age 18

Male

$32.56

$35.77

$41.47

Female

$30.32

$33.07

$38.48

 

$15,000 Face Amount, Preferred, Non-Tobacco
Monthly Bank Draft Premium

 

Age 10

Age 15

Age 18

Male

$24.42

$26.82

$31.10

Female

$22.74

$24.79

$28.86

For More Information