Product features for difficult times:

o Unemployment feature–for a specified time, little or no additional costs, available without underwriting
o Grace period–extensions (i.e. 30 days) with additional time to stay on current contracts
o Temporary price reduction—Non-smoker rates for smokers
o One-class premium improvement
o Persistency enhancements
o Rate crediting bonuses at pivotal durations
o Premium rebates

Source: Ben Disylvester,
chairman of Robert E. Nolan Co., Inc