Whole life insurance policies can be structured to provide a higher level of death benefits to beneficiaries in the early years of the policies or for the policies to be paid off in a certain time period, for example, 20 years.

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Whole life insurance policies can be structured in various ways to meet the needs and goals of the policyholder. One common option is to front-load the death benefits, meaning that the policy pays out more in the early years, while the insured's financial obligations and dependents' needs are higher. Another option is to design the policy to mature or be paid up after a specified time, such as 20 years, so that the policyholder can have a guaranteed source of cash value and death benefit to meet future goals.

Whole Life Insurance Policies Can Be Structured to Provide a Higher