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Whole Life Insurance Comparison



Whole Life


20-Payment Life


Life Paid-Up at Age 65


Description


Whole Life offers protection to age 100, with premiums payable throughout the lifetime of the insured.


20-Payment Life offers protection to age 100, with premiums payable for 20 years.


Life Paid-Up at Age 65 offers protection to age 100, with premiums payable to age 65.


Premiums


Level to
age 100


Level
20 years


Level to
age 65


Age Availability


16-70


0-65


0-45


Amount of Coverage Available


Age 16-65 minimum $25,000;
Age 65-70 minimum $5,000


Minimum $25,000;
$10,000 ages 0-18;
no maximum


Minimum $25,000;
$10,000 ages 0-18;
no maximum


Dividends


Yes, but not guaranteed


Yes, but not guaranteed


Yes, but not guaranteed


Riders Available


Adult
Premium Waiver
Accidental Death
Guaranteed Insurability
Accelerated Living

Child
N/A


Adult
Premium Waiver
Accidental Death
Guaranteed Insurability
Accelerated Living

Child
Accidental Death
Petitioner Benefit
Accelerated Living


Adult
Premium Waiver
Accidental Death
Guaranteed Insurability
Accelerated Living

Child
Accidental Death
Petitioner Benefit
Accelerated Living


Whole Life


20-Payment Life


Life Paid-Up at Age 65