Aflac Inc. (NYSE:AFL) has added several enhancements to its life insurance policies, including higher policy amounts and an extended issue age.

Now, the maximum face amount is $250,000 for whole life and 10-year, 20-year and 30-year term life products for policyholders ages 18 to 50, according to Aflac, Columbus, Ga., which targets the worksite market.

In addition, the issue age for whole life and 10-year term life policies with face amounts of up to $100,000 is now extended to age 70, the company says.

Other changes include:

- Extended spouse rider for term policies: If the spouse meets the issue age requirement, the spouse’s insurance term now matches the length of the primary policyholder’s term.

- Cash value in new term life contracts with return of premium: The cash value begins accumulating as early as 3 years into the policy, Aflac says, noting that the contracts are available only to nonsmokers through payroll deduction.

- Portability: If policyholders change jobs or retire, they can take their life insurance policies with them, with no increase in premiums.