Lifetime coverage. Coverage is effective the day your application and first premium payment are received. And as long as your premiums are paid, you’ll have coverage for life. On top of that your rates are locked in for life and your coverage amount will never decrease. At age 100, you will not have to pay any more premiums, but your coverage will remain in effect.
If you die accidently before age 85, your beneficiary could receive an added four times the policy amount, up to $125,000. The Living Benefit could advance up to 50% of your policy amount to help you cope with a terminal illness, provided the policy has been in effect for at least two years.