• 10-Pay Term to Age 65: You pay premiums for only 10 years, but coverage lasts until age 65.

• Regular Pay Term to Age 65: You pay premiums regularly (e.g., monthly, yearly) until age 65, and coverage also lasts until age 65.

If you can’t pay a premium, the company can use your policy’s Cash Value to cover it as a loan. If the Cash Value is too small, coverage may shorten.

Yes. Once your policy has a Cash Value, you can take a Policy Loan (up to the Cash Value amount). Interest will apply, and unpaid loans reduce the death benefit or can cancel the policy if the debt exceeds the Cash Value.

If you miss a premium and don’t choose an option by the end of the grace period, the policy will automatically switch to Extended Term Insurance. This means your coverage continues for a limited time without further payments, but the amount or duration may be reduced.

Your coverage continues for a set period without premiums. The length of coverage depends on your policy’s Cash Value. If there’s extra Cash Value, it may add a small Paid-Up Pure Endowment benefit at age 87.

The policy will automatically terminate, and all coverage will end. Refer to the Table of Non-Forfeiture Values in your policy or contact the company for details beyond the table.

You can choose:

• Cash surrender: Get the policy’s net cash value (minus debts).

• Paid-Up Insurance: Keep a reduced death benefit with no further premiums.

• Extended Term Insurance: Maintain full coverage temporarily without paying more.