Yes. Pinnacle Life Insurance allows you to make an insurance claim when you're expected to live within the 12 month period. They will pay you a lump-sum ahead of time, according to your policy.
No. Your Pinnacle Life Insurance is in effect as long as you make your payments.
Yes. You're free to increase your Pinnacle Life Insurance by 50% if you decide to get marry, have a baby or get a mortgage for your family.