Centurian Whole Life Policy
The whole life product offered by WalterHenry is offered in combination with term riders for both the primary insured and dependents. Waiver of premium and accidental death benefit riders are also available.

The primary insured may use the term rider to purchase additional amounts of coverage, however, all coverage combined cannot exceed $150,000.

The spouse rider provides decreasing term insurance to age 65.

The children's term rider come in units of $1,500 each for a maximum of seven units. The rider has a conversion privilege at age 25 or the date of marriage if prior, to a permanent plan without evidence of insurability the amount of coverage under the converted plan can be up to five times the amount of coverage provided by the rider.

The policy also provides a terminal illness accelerated death benefit rider on all policies with a face amount over $5,000. There is no additional premium charge for this benefit.

Other features include:

• Issue Age for Whole Life Policy; Male and Female; 0-80; for ages 20 and above, separate rates apply for tobacco users and non-tobacco users.
• Issue Age for Level Term to age 65; 18-55
• Issue Age for Spouse Term Rider; 15-60
• Issue Age for Children's Term Rider; 15 days-18 years
• Issue Age for Accidental Death Benefit; 15-55
• Issue Age for Waiver of Premium Benefit; 15-55