Add an Adjusted Sales Load Rider to your life insurance policy
A sales load compensates the insurance company for sales expenses, and state and local taxes. Ordinarily, this charge is deducted from your life insurance premium payment before it is applied to your policy.
By adding an Adjusted Sales Load Rider, you can spread the sales load charge over a select number of years. This lets you maximize your initial investment in the policy.
Keep in mind that you must choose this rider when the policy is issued. Also, the rider cost increases with the amount of sales load charges that are deferred. Please refer to your insurance contract, product prospectus or investment professional for specific details.