Whole Life

Estate Protector

Original line of business: Confederation Life

Updated on: Jan 7, 2019

Product snapshot

The Estate Protector is a whole life plan that may be participating or non-participating.

Basic product information

Product administration guide: N/A

Sample contract: N/A

Dividend options: Yes

Bonus: N/A

Dividend options

  • Cash
  • Premium reduction
  • Accumulation
  • Paid-up additions

Bonus

N/A

Premium paying period

The contract will have to be verified for the premium paying period

Policy fees

N/A

Deposit load

N/A

Values, loans & withdrawals

Non forfeiture option: Yes

Loans: Yes

Withdrawals: Yes

Non-forfeiture option

Automatic premium loan

Loans

Loans are available

Withdrawals

Dividends may be withdrawn

Cash value

This policy has guaranteed cash values

Reduced paid up

Reduced paid-up option is available

Riders & benefits

Premium offset/holiday: Yes

Premium offset/holiday

Premium offset may be available for participating policies. Request a premium offset illustration

Death benefit

Basic coverage plus any dividends

Reinstatement period

Two years

Convertible

No, already in a permanent product