Whole life insurance policies give you the opportunity to use the accumulated cash value for your own particular needs.

There are basically three ways you can access the cash value in your policy:

• Partial withdrawals
• Policy loans
• Non-forfeiture options

Partial Withdrawals
You may withdraw the cash value of any insurance that was bought with dividends, or any dividends left with us to earn interest.

Partial withdrawals will not cause your coverage to lapse. However, your cash value will be reduced by the amount withdrawn. Keep in mind that this would decrease the death benefit payable to your beneficiary.

Policy Loans
You may borrow, within certain limits, against the cash value in your policy while keeping your policy active. Loan interest is due at the end of each policy year, and if unpaid, is added to the outstanding loan balance. The loan interest rate may be changed once a year on your policy anniversary.

If a policy loan exceeds the total cash value of your policy, your policy will terminate 31 days after we send you written notice.

A policy loan may be repaid in whole or in part at any time while the insured is living. Please be aware that any loan outstanding upon the death of the insured (including interest) will be deducted from the death benefit payable to the beneficiary. It will also reduce the cash value if a full cash surrender is requested.

Non-forfeiture Options

If a required premium payment is not made when due, your policy will lapse after a 31 day grace period. You may elect one of these two non-forfeiture options to preserve insurance coverage:

• Extended Term Insurance - uses the cash value to purchase term insurance equal to your current death benefit for a limited period of time. Once this period is over, insurance coverage ends.
• Reduced Paid-Up Insurance - uses the cash value to purchase lifetime protection for a reduced amount of death benefit — usually less than your face amount of insurance. This benefit will never end while the insured is living. Or, if you do not wish to continue insurance coverage, you may surrender the policy for its full cash value.