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AGES$100,000$250,000$500,000$1,000,000
5014.1523.8141.7674.88
5115.0626.2146.5683.99
5216.0628.8351.8394.5
5317.1431.6957.57105.88
5418.3234.8163.85116.74
5519.6138.2170.68129.69
5621.0241.6577.29142.96
5722.5545.3684.43157.31
5824.2149.3992.18172.88
5926.2954.44101.9192.4
6028.6360.13112.83214.36
6132.6467.67127.28240.85
6237.1176.06143.35270.32
6341.9885.21160.89302.47
6447.2195.03179.72337.01
6552.73105.42199.61373.48

 

DetailsTERM LIFEPARTICIPATING WHOLE LIFERETURN OF PREMIUM TERM LIFEGUARANTEED UNIVERSAL LIFEUNIVERSAL LIFEVARIABLE LIFEVARIABLE UNIVERSAL LIFEIndexed Universal Life
Duration1, 5, 10, 15, 20, 25 and 30 year termsLifetime coverage1, 5, 10, 15, 20, 25 and 30 year (35 Year ROP)To age 90, 95, 100, 105, 110 and 121LifeLifeLifeLifetime
PremiumsCan pay monthly, quarterly, semi annually, or annually.Can pay monthly, quarterly, semi annually, or annually, Level, 7 Pay, 10 Pay, 20 Pay, Pay to Age 65, Pay to age 100Can pay monthly, quarterly, semi annually, or annually.LevelVaries, up to the customer (subject to federal tax laws)Level
Varies, up to the customer (subject to federal tax laws)
Guaranteed Death BenefitYesYesYesYesYesYesYesYes
Guaranteed Cash ValueNoYesNo, although some ROP offer cash valueYes, although it is small since focus is on death benefit not cash accumulation.Protected from risk, but can be depleted to pay premiumsNoNo, linked to movement of selected variable sub-accounts or fixed account.No, linked to movement of selected stock index or fixed account.
Guaranteed Level PremiumYes. Fixed for the duration of the term & guaranteed to be levelFixed based on the payment period stated in the policy; May be shorter if limited pay is chosenYes. Fixed for the duration of the termYesPremiums can be raised or lowered depending on owner’s choice or policy performance.Premiums can be raised or lowered depending on owner’s choice or policy performance.Premiums can be raised or lowered depending on owner’s choice or policy performance.
Premiums can be raised or lowered depending on owner’s choice or policy performance.
How cash grows (or shrinks)No cash valueEarns interest at predetermined rateNo cash valueVariable rate determined by insurerSubaccounts pool of investor funds offered by insurer
Subaccounts pool of investor funds offered by insurer
Policy withdrawals & loansNo withdrawals or loansYes, tax free policy loans and tax free withdrawals up to basis in the policy.NoYes, tax free policy loans and tax free withdrawals up to basis in the policy.Yes, tax free policy loans and tax free withdrawals up to basis in the policy.Yes, tax free policy loans and tax free withdrawals up to basis in the policy.
Does Death Benefit Increase?NoYes, cash value and dividends can increase death benefit.NoNoYes, option for increasing death benefit, fixed benefit, or ROP.Yes, option for increasing death benefit, fixed benefit, or ROP.Yes, option for increasing death benefit, fixed benefit, or ROP.Yes, option for increasing death benefit, fixed benefit, or ROP.
DividendsNoneYes, can be used for paid up additions, cash out, pay premiums, etcNoNoNoNoNoNo
Additional notesNo risk of losing coverage, but no cash value when term ends. Initially the lowest premiums of all life insurance policies.No risk compared to other permanent types, but there are probably better investment options. Excellent retirement vehicle due to growing death benefit and cash value.Refunds your premiums at the end of the term if you outlive the policyYou may outlive if you choose other than to age 121. Cash value is limited since focus is on permanent death benefit.Risk of holding expensive insurance policy with little to no cash valueRisk of holding expensive insurance policy with little to no cash value. Unlimited potential gains and losses based on underlying asset class.
Potential higher returns than participating whole. Has maximum cap limiting growth and guaranteed floor limiting loss (0-1%).
DetailsTERM LIFEPARTICIPATING WHOLE LIFERETURN OF PREMIUM TERM LIFEGUARANTEED UNIVERSAL LIFEUNIVERSAL LIFEVARIABLE LIFEVARIABLE UNIVERSAL LIFEIndexed Universal Life
Duration1, 5, 10, 15, 20, 25 and 30 year termsLifetime coverage1, 5, 10, 15, 20, 25 and 30 year (35 Year ROP)To age 90, 95, 100, 105, 110 and 121Lifetime coverageLifetime coverageLifetime coverageLifetime coverage
PremiumsCan pay monthly, quarterly, semi annually, or annually.Can pay monthly, quarterly, semi annually, or annually, Level, 7 Pay, 10 Pay, 20 Pay, Pay to Age 65, Pay to age 100Can pay monthly, quarterly, semi annually, or annually.LevelCan varyLevelCan varyCan vary
Guaranteed Death BenefitYesYesYesYesYesYesYesYes
Guaranteed Cash ValueNoYesAlthough some ROP offer cash value, most don'tYes, but the guaranteed death benefit can be compromised if cash is withdrawnProtected from risk. Can be diminished to pay for premiumsNoNo. Tied to selected variable sub-accounts or fixed account.No. Tied to selected variable sub-accounts or fixed account.
Guaranteed Level PremiumYes. Fixed for the duration of the term & guaranteed to be levelFixed & based on the policy's payment schedule. Can be shorter if you choose limited payYes. Fixed for the duration of the termYesPremiums can be raised or lowered depending on owner’s choice or policy performance.Premiums can be raised or lowered depending on owner’s choice or policy performance.Premiums can be raised or lowered depending on owner’s choice or policy performance.Premiums can be raised or lowered depending on owner’s choice or policy performance.
How cash value growsNo cash valueWill gain interest at a determined rateNo cash valueDepends on how policy is designedRate is variable & determined by the insurerSubaccounts offered by the insurerSubaccounts offered by the insurerTotal amount of cash value is credited with interest based on increases in an equity index
Policy withdrawals & loansNo withdrawals or loansYes, tax free policy loans and tax free withdrawalsNoYes, tax free policy loans and tax free withdrawalsYes, tax free policy loans and tax free withdrawalsYes, tax free policy loans and tax free withdrawalsYes, tax free policy loans and tax free withdrawalsYes, tax free policy loans and tax free withdrawals
Does Death Benefit Increase?NoYes, cash value and dividends can increase death benefit.NoNoYes. The option for increasing the death benefit is availableYes. The option for increasing the death benefit is availableYes. The option for increasing the death benefit is availableYes. The option for increasing the death benefit is available
DividendsNoneYes, can be used for paid up additions, cash out, pay premiums, etcNoNoNoNoNoNo
Additional notesNo risk of losing coverage, but no cash value when term ends. Initially the lowest premiums of all life insurance policies.No risk compared to other permanent types, but there are probably better investment options. Excellent retirement vehicle due to growing death benefit and cash value.Refunds your premiums at the end of the term if you outlive the policyYou may outlive if you choose other than to age 121. Cash value is limited since focus is on permanent death benefit.-Risk of holding expensive insurance policy with little to no cash valueRisk of holding expensive insurance policy with little to no cash value. Unlimited potential gains and losses based on underlying asset class.Potential higher returns than participating whole. Has maximum cap limiting growth and guaranteed floor limiting loss (0-1%).