The premium under an indeterminate premium life insurance policy reflects the insurance company's mortality experience, investment returns, and expenses. If these three elements are more profitable than had been loaded for in the initial premiums, future premiums will be reduced; if they are less profitable, they will be increased but not beyond a guaranteed maximum. The premiums for this type of whole life policy are usually lower than most other whole life policies. The indeterminate premium payments include the cash value amount and the face value.