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AccumUL Answers


AccumUL Answers provides a permanent death benefit and a promise that the protection will continue as long as sufficient premiums are paid. Clients can customize their policies, choosing affordable premiums to fit their budgets.

Issue Ages

(Age Last Birthday)

  • 0-17 Standard NT risk only
  • 18-80 (all risks)
  • 81-85 Standard NT and Standard T risks only
Face Amounts
  • $25,000 - $99,999
    (Below $100,000, only Standard NT and Standard T risks are available)
  • $100,000 - $249,999
  • $250,000 - $499,999
  • $500,000 - $999,999
  • $1,000,000 plus
    (First Year Premium over $2,000,000 requires home office approval.)
Underwriting Classes
  • Preferred Plus NT
  • Standard Plus NT
  • Substandard NT
  • Preferred NT
  • Standard NT
  • Substandard T
  • Preferred T
  • Standard T
Table Rates

Tables 1 (A) to 16 (P) 25% per table; table-rated cases increase the fully commissionable premium.

Surrender Charges

First 9 policy years.

Expense Loads

Monthly Policy Fees:
Current = $5 – Guaranteed = $10
Monthly charge per $1,000 of Specified Amount
Cost of insurance for the current month
Cost of riders for the current month

Premium Charge:
Current = 5% of premium up to the Target Premium
7.5% of premium in excess of the Target Premium
Guaranteed = 10% of each premium payment


(Some restrictions may apply)

  • Accel. Death Benefit for Terminal and Chronic Illness Riders*
  • Lapse GuardSM Rider*
  • Guaranteed Insurability Rider
  • Accidental Death Benefit Rider
  • Disability Continuation of Planned Premium Rider
  • Disability Waiver of Policy Charges Rider
  • Dependent Children's Rider
  • Add'l. Insured Term Rider (Self & Other Insured)

*Included in the policy

Guaranteed Interest Rate


Low-Cost Loans

Years 1-9:
Charge 4% in arrears; Credit 2%.

Years 10+:
Charge 2% in arrears; Credit 2%.

Partial Withdrawals

Allowed after first policy year, $100 minimum withdrawal amount.

No-Lapse Protection

Short-Term No-Lapse Protection

  • Based on payment of Minimum Premiums
  • 5 Years

Long-Term No-Lapse Protection

  • Based on payment of Target Premiums
  • Ages 0-55: 30 Years
  • Ages 56-79: To age 85
  • Ages 80+: None
Other Product Features
  • Lapse Guard Protection
  • Wash Loan Feature in years 10+
  • Policy maturity age is 120


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