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Ten Pay Whole Life (L10)
| Sales Applications | For clients who want a guaranteed, paid-up policy in ten years. Excellent product for gifting to juveniles or for professional athletes or performers with high income over a limited period. |
| Sweetest Spots | Highest IRR on cash value; shortest premium-paying period; highest early dividend. |
Key Features |
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| Issue Ages | 0 - 75 |
| Minimum Face Amount And/or Case Size | $250,000 Preferred Plus NT $100,000 Preferred NT $25,000 All Other Classes |
| Riders and Options | Guaranteed Insurance Option-10 Lifetime Paid-Up Additions Waiver of Premium Applicant Waiver of Premium (for ages 0-14) Accidental Death Benefit Enhanced Accelerated Benefit 10-year Annually Renewable Term Select Security Simplified Insurability Option Exchange of Insureds Waiver of Specified Amount |
| Dividend Options | A, B, C, D, F, G, L, P, Q, R, S, U |
Underwriting |
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| Policy Classes | Preferred Plus NT Preferred NT Non-Smoker Standard (Smoker) Substandard (Classes 1-16) |
Sample Premiums |
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| Male, Age 40, Best Class $1 Million Face Amount |
$34,400 |
Client Proposals |
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| Navigator Presentations | Prepaid Premiums |
