Income went up and you want more going into the policy. There are three ways to do it and they're not interchangeable.

The first is the paid-up additions rider, if your contract has one with room left. Most well-designed policies have a scheduled PUA amount and a maximum, and if you've been funding below the maximum you can move up toward it. This is the cleanest option, since there's no new underwriting and no new contract, and the extra dollars go almost entirely to cash value. Call the carrier or your agent and ask what your current PUA schedule allows.

The second is a lump sum into the rider, which many contracts permit annually within limits. Useful for a bonus or a commission year, and it doesn't commit you to a higher ongoing payment. Some carriers require the scheduled premium to be current first, and some have a window each year when they'll accept it.

The third is a second policy. That's the answer when the first one is at its funding ceiling, and it's often the better answer anyway, because a new contract gets its own base, its own PUA capacity, and its own dividend or crediting history starting now. It also means new underwriting, and your health today is not your health at issue.

Underneath all three sits the limit that decides everything: the MEC line. There's a maximum you can put into a given death benefit over a given period before the IRS reclassifies the contract as a modified endowment contract, at which point loans and withdrawals become taxable and a 10% penalty can apply before 59 and a half. Your carrier tracks this and will refuse or refund an overpayment, but don't rely on that. Ask for the maximum non-MEC premium before you send the money.

If you need more room inside an existing policy, the other lever is increasing the base death benefit, which raises the MEC limit and raises your cost of insurance at the same time. That's a design conversation rather than a form you fill out, and it's the one I'd want to have before a bonus lands rather than the week after.