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There are various premium paying options on a whole life policy. You can exercise the options of paying premiums throughout the policy term of a whole life policy, for a limited term, or via a single, lump sum premium.


All insurers allow premium payments to be made at quarterly, half-yearly or annual installments. Some also collect premiums monthly. Typically, the higher the number of installments, the higher will be the total premium paid out.


A certain part of the premium gets allocated towards the sum assured. Some portion of the premium is allocated towards the administrative expenses of the insurance company selling the policy. The remaining portion of the premium gets invested.

Whole Life Premium: Basics

  • Whole Life Insurance Plans
  • Money-back Life Insurance Plan
  • Life Insurance FAQs on Premiums

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Whole Life Premium: Opinion

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Decision-making Corner

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