Whole Life Insurance Description
Provides protection for the Whole of Life with premiums payable for life.  Each premium paid buys a part of the certificate (called Paid-Up Insurance Option) and can be marked paid for a proportion of original amount at certificate-holder's choice.  Equity builds up in policy as premiums are paid, and is called cash value.  Best permanent insurance buy; giving the most protection and equity for premiums paid. 

Minimums:
$5,000.00 0-24 YRS
$3,000.00 25 YRS and older  

Rates per 1,000 (0-40) 

SEMI-ANNUAL PREMIUM: ANNUAL PREMIUM TIMES .52  
QUARTERLY PREMIUM: ANNUAL PREMIUM TIMES .265

 

 
MALE
FEMALE
   
 
SMOKER
NON-SMOKER
SMOKER
NON-SMOKER
   
AGE
Under $10,000
$10,000- 
$24,999
$25,000 
& over
Under 
$10,000
$10,000- 
$24,999
$25,000 
& over
Under 
$10,000
$10,000- 
$24,999
$25,000 
& over
Under 
$10,000
$10,000- 
$24,999
$25,000 
& over
W.P.
ADB 70
0
      
12.01
6.01
4.01
      
11.50
5.50
3.50
0.15
0.90
1
      
12.04
6.04
4.04
      
11.56
5.56
3.56
0.15
0.90
2
      
12.14
6.14
4.14
      
11.65
5.65
3.65
0.16
0.90
3
      
12.24
6.24
4.24
      
11.73
5.73
3.73
0.16
0.90
4
      
12.36
6.36
4.36
      
11.83
5.83
3.83
0.16
0.90
                             
5
      
12.47
6.47
4.47
      
11.93
5.93
3.93
0.16
0.90
6
      
12.60
6.60
4.60
      
12.03
6.03
4.03
0.16
0.90
7
      
12.74
6.74
4.74
      
12.14
6.14
4.14
0.16
0.90
8
      
12.88
6.88
4.88
      
12.26
6.26
4.26
0.17
0.90
9
      
13.04
7.04
5.04
      
12.39
6.39
4.39
0.17
0.90
                             
10
      
13.20
7.20
5.20
      
12.52
6.52
4.52
0.17
0.90
11
      
13.37
7.37
5.37
      
12.66
6.66
4.66
0.18
0.90
12
      
13.54
7.54
5.54
      
12.80
6.80
4.80
0.18
0.90
13
      
13.72
7.72
5.72
      
12.95
6.95
4.95
0.18
0.90
14
      
13.90
7.90
5.90
      
13.10
7.10
5.10
0.19
0.90
                             
15
15.62
9.62
7.62
14.08
8.08
6.08
13.99
7.99
5.99
13.26
7.26
5.26
0.19
0.90
16
15.87
9.87
7.87
14.26
8.26
6.26
14.19
8.19
6.19
13.43
7.43
5.43
0.20
0.90
17
16.12
10.12
8.12
14.45
8.45
6.45
14.40
8.40
6.40
13.60
7.60
5.60
0.20
0.90
18
16.38
10.38
8.38
14.65
8.65
6.65
14.62
8.62
6.62
13.79
7.79
5.79
0.21
0.90
19
16.65
10.65
8.65
14.85
8.85
6.85
14.85
8.85
6.85
13.98
7.98
5.98
0.21
0.90
                             
20
16.93
10.93
8.93
15.06
9.06
7.06
15.09
9.09
7.09
14.18
8.18
6.18
0.22
0.90
21
17.23
11.23
9.23
15.29
9.29
7.29
15.34
9.34
7.34
14.39
8.39
6.39
0.22
0.90
22
17.55
11.55
9.55
15.53
9.53
7.53
15.61
9.61
7.61
14.61
8.61
6.61
0.23
0.90
23
17.89
11.89
9.89
15.79
9.79
7.79
15.89
9.89
7.89
14.84
8.84
6.84
0.24
0.90
24
18.26
12.26
10.26
16.06
10.06
8.06
16.18
10.18
8.18
15.08
9.08
7.08
0.25
0.90
                             
25
18.65
12.65
10.65
16.35
10.35
8.35
16.49
10.49
8.49
15.34
9.34
7.34
0.26
0.90
26
19.07
13.07
11.07
16.66
10.66
8.66
16.82
10.82
8.82
15.61
9.61
7.61
0.26
0.90
27
19.51
13.51
11.51
16.99
10.99
8.99
17.16
11.16
9.16
15.89
9.89
7.89
0.27
0.90
28
19.99
13.99
11.99
17.34
11.34
9.34
17.53
11.53
9.53
16.19
10.19
8.19
0.28
0.91
29
20.50
14.50
12.50
17.71
11.71
9.71
17.91
11.91
9.91
16.51
10.51
8.51
0.30
0.92
                             
30
21.03
15.03
13.03
18.11
12.11
10.11
18.31
12.31
10.31
16.84
10.84
8.84
0.31
0.93
31
21.61
15.61
13.61
18.52
12.52
10.52
18.73
12.73
10.73
17.19
11.19
9.19
0.33
0.94
32
22.21
16.21
14.21
18.97
12.97
10.97
19.18
13.18
11.18
17.56
11.56
9.56
0.34
0.95
33
22.85
16.85
14.85
19.43
13.43
11.43
19.65
13.65
11.65
17.95
11.95
9.95
0.36
0.97
34
23.54
17.54
15.54
19.93
13.93
11.93
20.14
14.14
12.14
18.36
12.36
10.36
0.38
0.99
                             
35
24.26
18.26
16.26
20.45
14.45
12.45
20.67
14.67
12.67
18.80
12.80
10.80
0.41
1.01
36
25.02
19.02
17.02
21.01
15.01
13.01
21.22
15.22
13.22
19.25
13.25
11.25
0.43
1.03
37
25.83
19.83
17.83
21.59
15.59
13.59
21.80
15.80
13.80
19.73
13.73
11.73
0.46
1.05
38
26.68
20.68
18.68
22.21
16.21
14.21
22.40
16.40
14.40
20.54
14.24
12.24
0.49
1.08
39
27.59
21.59
19.59
22.87
16.87
14.87
23.04
17.04
15.04
20.77
14.77
12.77
0.52
1.11
40
28.54
22.54
20.54
23.56
17.56
15.56
23.70
17.70
15.70
21.33
15.33
13.33
0.56
1.13