One policy, four moving parts. Here's exactly what happens from the day you register to the day you might need to access your cash value.
Create your account, tell us your coverage goal, and pick a starting monthly contribution. Most families qualify without a medical exam. Your account and policy number are issued immediately.
A portion of every premium payment is allocated to your policy's cash value, which accumulates on a tax-deferred basis. You can track this balance from your dashboard at any time.
Use the calculator to see your estimated cash value, then request a partial withdrawal or a full surrender directly from your dashboard for education costs, medical bills, or any emergency.
Partial withdrawals don't end your coverage — your family stays protected on the remaining death benefit. You can top up contributions or reactivate a lapsed policy later.
Don't have an account?
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