Life insurance premiums are based on the cost of insurance (COI) charges, fixed administration expenses (FAEs), cash value based "wrap fees" (e.g., M&Es), and premium loads charged by the insurer, and the policy interest/earnings credited to premiums paid in excess of these policy charges. Use the Policy Pricing Calculator from to calculate premiums based on benchmark expenses and a policy interest/earnings of your choosing by completing the below inputs and clicking the [Calculate] button at the bottom of this page.

Product Type
  Product Type

  Pricing Style
Primary Insured
  Gender Male:
Current Age Nearest
  Health Profile
Tobacco User?
Death Benefit Assumptions
  Death Benefit
Death Benefit Option
Level-Option A/1

Increasing-Option B/2
Premium Assumptions
Pay Premiums for how many years?
One Time Lump Sum Deposit?
(or, leave blank)
Interest/Earnings Rate Assumptions
Assumed Net Rate of Return

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