Whole life insurance on a single insured where the insured may change the plan of insurance or the death benefit and where premium and policy value are dependent on the company’s right to change interest, expense and/or mortality assumptions. The policy owner may pay additional premiums.

Whole life insurance with guaranteed level premium and benefits reduced during the early durations, used to fund funeral expense or a preneed funeral contract.

Whole life insurance with single premium and benefits reduced during the early durations used to fund funeral expense or a preneed funeral contract.

Whole life insurance with guaranteed level premium and benefits reduced during the early durations.

Whole life insurance with single premium and benefits reduced during the early durations.

Whole life insurance on more than one insured with level premium where policy values are linked to an external or equity index, with the death benefit payable upon the first death.

Whole life on more than one insured where the benefit is payable on first death that requires payment of a specified modal premium that is a fixed amount or where the premium is dependent on factors that may be changed by the insurer, but not to go beyond a guaranteed maximum for the certificate to remain in force.