We propose to alleviate the systematic mortality risk of a life insurer by product design. The systematic mortality risk associated with selling life insurance stems from the uncertain timing of the insured's deaths due to uncertain mortality rates. To mitigate this risk, we introduce a component through which the amount of payment would be smaller when the insured dies earlier than that estimated by the current mortality table. We provide theoretical derivations with figure illustrations and numerical analyses to demonstrate how death benefits change with the interest rate can immunize whole life and endowment policies from the systematic mortality risk.