You may choose to use your policy dividends in multiple ways. Most policyowners choose to purchase additional coverage with their dividends increasing the policy's face amount and cash value. Another option is to accumulate your dividends at interest. Or you can choose to receive your dividends in cash.

The following graphs show how these dividend options affect the policy's death benefit and cash value over time.

You may borrow from the cash value of the policy. Loans may be taken at a fixed 8% interest rate, or a variable loan rate determined annually. The amount borrowed from the cash value affects the amount of dividends you will receive. Any unpaid loans, along with accumulated interest, will be deducted from the proceeds at death or if the policy is surrendered prior to death. Within contractual limitations, there is a maximum value that can be borrowed that is less than the total cash value of the policy.

Issue Ages: 0-75. And 76-85 if the insured meets certain underwriting requirements.

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