How do you calculate my premium?

Your premium is based on the plan you choose, and in the case of the Access Plan, any additional plan features you select. For example, the higher your Total Policy Year Maximum, the higher your premium will be. It may also be higher if you add the Three Year Rate Lock (which is available with the Access Plan in some states)††. Where you live, your age, and your answers to the application questions can all impact your premium.