To quickly convert term coverage to permanent coverage, dividends are used to purchase paid-up additions. When the term portion has been completely replaced, you can change the dividend option to reduce premium payments, accumulate at interest, or receive them in cash.

You may borrow from the cash value of an Estate CompLife® policy. Loans may be taken at a market loan rate based on Moody's index for corporate bonds. (In Arkansas, policy loans have a fixed 8% interest rate and the amount borrowed affects the amount of dividends received.) Any unpaid loans, along with accumulated interest, will be deducted from the proceeds at death or if the policy is surrendered prior to death.

Premiums are paid on the base portion of your policy until age 100 and are guaranteed to remain level. Premiums on the Additional Protection portion of your policy are also paid until age 100, but are determined every year.

To protect yourself if you are ever unable to pay your policy premiums, you can choose one of our three nonforfeiture options.

• Automatic Premium Loan—Money is automatically borrowed from the cash value to pay overdue premiums and interest is charged until the loan is repaid.

• Paid-Up Insurance—Keeps some level of protection in force by using the policy's entire cash value to purchase paid-up whole life insurance. The face value of the paid-up insurance will be less than the face amount of the Estate CompLife® policy. The paid-up policy remains in force until the insured dies.

• Cash Surrender—Receive the policy's cash value by surrendering the policy. Any outstanding loan balance and accrued loan interest will be deducted from the cash value.

 Issue Ages: 18-85. At ages 76-85, available only to qualified individuals.

The following benefits are subject to underwriting and additional cost.

• Waiver of Premium—Waives the payment of all premiums that come due during the disability of the insured person. For premiums to be waived, total disability must exist continuously for a period of six months and result from an accident or sickness. Total disability is defined in the terms of the policy contract. Available for insured persons ages 18-59.

• Additional Purchase Benefit—Guarantees the right to buy an additional permanent policy at specified dates without evidence of insurability. Available for insured persons ages 18-38.

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