Whole Life

Whole Life Ordinary

Original line of business: Zurich

Updated on: Dec 13, 2018

Product snapshot

Whole Life Ordinary is a whole life product that may or may not be participating.

Basic product information

Product administration guide: N/A

Sample contract: N/A

Dividend options: Yes

Bonus: N/A

Dividend options

If applicable: 

  • Cash
  • Premium
  • Paid up additions
  • Accumulation



Premium paying period

Level and payable for life

Policy fees


Deposit load


Values, loans & withdrawals

Non forfeiture option: Yes

Loans: Yes

Withdrawals: Yes

Non-forfeiture option

Automatic premium loan


Loans are available


If the policy is participating, withdrawal of dividends is available

Cash value

Guaranteed contractual cash values 

Reduced paid up

Reduced paid-up is an option

Riders & benefits

Premium offset/holiday: N/A

Premium offset/holiday

Please note that premium offset is not available on this policy

Death benefit

  • Basic coverage amount 
  • Dividend or PUA value, is applicable 
  • Minus any loan if present

Reinstatement period

2 years


No, this is already in a whole life product