Whole Life

Estate Protector Joint Life

Original line of business: North American Life

Updated on: Dec 13, 2018

Product snapshot

The Estate Protector (Joint Life) plan is a whole life, participating policy with the death benefit payable on the second death. Premiums on these plans are payable to the second death as well.

Basic product information

Product administration guide: N/A

Sample contract: N/A

Dividend options: Yes

Bonus: N/A

Dividend options

Available, verify in contract



Premium paying period

Premiums are payable to second death

Policy fees

Verify in contract

Deposit load


Values, loans & withdrawals

Non forfeiture option: Yes

Loans: Yes

Withdrawals: Yes

Non-forfeiture option

Automatic premium loan (APL)


Loans are available


Dividends can be withdrawn

Cash value

This policy has guaranteed cash values

Reduced paid up

If the policy was issued prior to Dec. 2, 1982: 

Can go reduced paid up anytime 

If the policy was issued after Dec. 1, 1982: 

Can go reduced paid up at the end of the 20th policy year 

Riders & benefits

Premium offset/holiday: N/A

Premium offset/holiday


Death benefit

  • Basic coverage plus any dividends
  • Payable on second death

Reinstatement period

2 years


No, already a permanent product