There are no hidden fees or separate charges. Once you select your term and coverage, the selected premium is the exact amount you will pay for the duration of your policy term.
Included in your price is a built-in rider for accelerating the death benefit in the event of terminal illness, which means you can access a portion of your death benefits while still living if you become terminally ill. ¹
Please note: Receipt of Accelerated Benefit payments may adversely affect the recipient’s eligibility for Medicaid or other government benefits or entitlements. They may also be considered taxable by the Internal Revenue Service. Contact a personal tax advisor for additional information. Payment of Accelerated Death Benefits, if not repaid, will reduce the Death Benefit and affect the other policy values.
¹Accidental Death Benefit Rider form number, ICC25 2502-2624 WSA (Rider terms vary by type of life insurance and state. The type of illness determines the maximum advance amount available. There are no restrictions on how the money from the ADBR can be used after payment.)