Available riders include Waiver of Premium, Accidental Death, Family Benefit, and Children's Term. Single Premium Whole Life Single Premium Whole Life is available issue ages 0-80. Coverage remains in force as a participating lifetime plan with a single premium paid at issue. The certificate endows at age 100. Coverage increases annually in regular increments to the full face amount by the fourth year.
Interest is credited by tiers based on full amount of the deposit.
An interest bonus is included for the first full certificate year. Rollovers are accepted. Annuity certificates have limited withdrawal privileges after the first certificate year. Reducing surrender charges may apply for the first 8 certificate years. Surrender charges may be waived when a Settlement Contract is chosen.