Paid-up additional insurance is available as a rider on a whole life policy. The paid-up additions (PUA) rider is a unique additional insurance feature that is available to you when you buy whole life insurance. *This is applicable if the Bonus Option chosen is Paid Up Additions (PUA). The PUA rider is the mechanism used to place additional money into a participating whole life insurance policy to increase policy cash value. PUA Definition: Paid-Up Additions are mini chunks of whole life insurance stacked onto an ordinary whole life policy. So How Do I Chose PUA? First of all, PUA's are a feature that exists in all participating whole life insurance.