Whole Life Insurance

Life insurance that's as flexible as you are. Imagine that..

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Key Benefits

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Lifetime Coverage

As long as premiums are paid, your coverage never expires.

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Guaranteed Payout

Your beneficiaries receive a guaranteed sum when the time comes.

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Cash Value Growth

Build cash value over time that you can borrow against.

Whole Life Policy Example

MONTHLY PREMIUM

$200

TOTAL PREMIUMS

$96,000

Over 40 years

WHOLE LIFE CASH VALUE

$240,000

4.5% IRR for 40 years

S&P 500 TAXABLE ACCOUNT*

$144,000

3% IRR for 40 years

DEATH BENEFIT

A guaranteed death benefit will be provided, which can grow over time depending on policy dividends.

Example of a Whole Life policy with guaranteed growth, tax-deferred cash value, and dividend potential.
Bank Savings CD account averages 1.71% annual return with taxable interest payments at 35%*

*Tables and charts are for illustrative purposes only and are not based on any specific policy example. Please reference your specific policy for additional details. All guarantees and contractual obligations are based solely on the claims-paying ability of the issuing life insurance company.

Guaranteed Growth
& Lifelong Protection

Our Whole Life Insurance policies provide guaranteed protection for life, fixed premiums, and steady, tax-deferred cash value growth. Your policy not only safeguards your loved ones with a guaranteed death benefit, but also builds cash value you can access during your lifetime.

Many of our policyholders use the cash value from their Whole Life Insurance to support key life goals. Here are just a few examples:

  • Supplement Retirement Income
  • Pay Off Debts
  • Make a Down Payment on a Home
  • Fund a Child’s Education
Whole Life Insurance Benefits

FAQ

Whole Life Insurance is a type of permanent life insurance that provides lifetime coverage and guaranteed benefits. It offers fixed premiums, a guaranteed death benefit, and builds cash value over time that you can borrow against if needed. Whole Life Insurance is ideal for long-term protection and financial planning.

Whole Life Insurance combines lifelong protection with a savings element. Part of your premium goes toward the insurance coverage, and part builds cash value you can use while you're alive. Your premiums remain the same throughout the life of the policy, and your beneficiaries receive a guaranteed payout when you pass away.

Whole Life Insurance offers several key benefits:
  • Lifetime Coverage: Your policy lasts for your entire life, as long as premiums are paid.
  • Guaranteed Death Benefit: Your loved ones will receive a guaranteed payout when you pass away.
  • Cash Value Growth: The policy builds cash value over time, which you can borrow against if needed.
  • Fixed Premiums: Your payments stay consistent throughout the life of the policy.
  • Tax Advantages: Cash value grows tax-deferred, and death benefits are generally tax-free to your beneficiaries.

Whole Life Insurance is a good option if:
  • You Want Lifetime Protection: Ideal for those who want coverage that never expires.
  • You’re Focused on Long-Term Planning: Helps build wealth and secure a financial legacy for your family.
  • You’re Looking for Predictable Costs: Fixed premiums make budgeting easier over the long run.
  • You Value Cash Access: The cash value component provides financial flexibility if you ever need it.
If you’re unsure whether Whole Life Insurance fits your needs, contact us today for a personalized recommendation.

Whole Life Insurance isn’t just for protection — it’s a smart savings tool too. The cash value in your policy grows tax-deferred and can provide funds for emergencies, retirement, or other goals. It also offers asset protection benefits in many states and can be a useful part of estate planning. Bundling protection and savings in one policy provides long-term financial security with added flexibility.
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