Second Commitment - Premium Level

Once you have decided on the product, then decide whether you want to pay a high, mid-range, or low annual premium.

Low Premium Level :
Covers the required mortality and expenses offering less benefit of tax-free compounding.
If the annual premium is low, then you have a "thin transaction" - no cushion in the policy at all.
High Premium Level :
More premium dollars available to credit at the current interest rate.
A high annual premium bumps into alternative uses of your money. A mid-range annual premium covers mortality and expenses with enough left over to help build cash values.

Most policyowners choose a mid-range annual premium.

TIP : The higher the annual premium per dollar of initial death benefits the better the potential financial performance of the policy.

Next Step: Choosing the number of years of "out-of-pocket" cost also influences your buying decision.

Third Commitment - Premium Duration

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