Family Protection, Forever

Whole Life Insurance

You’ve spent your entire life building up what you have, and you’ve got others that depend on you and what you provide for them. Our Whole Life insurance offers you lifelong coverage that protects your family from heavy financial loss in the event of your passing..

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Whole Life Insurance Features

Whole Life insurance provides you with consistent premiums and guaranteed cash value accumulation for those who have long-term goals in mind. It can provide you with:

  • Lifetime protection that keeps your family from experiencing large financial loss
  • Consistent payments that won’t change over time
  • Guaranteed death benefits
  • An option to accumulate cash value

Since you get consistent premiums, fixed death benefits and valuable living benefits such as loans and dividends, whole life insurance is more expensive than term life insurance.

Whole life is best suited for long-term obligations such as providing for your surviving spouse and paying any post-death liabilities. To learn more about the advantages of whole life insurance, please read the next section.

Protections and guarantees are subject to the claims paying ability of the issuing insurance company.

Advantages of Whole Life Insurances

Whole Life insurance has advantages for those who are thinking about permanent life insurance to cover long-term needs, including the following:

  • There’s a guaranteed ceiling on death expenses and a guaranteed floor on interest given to cash value.
  • Cash value interest or earnings grow tax-free or tax deferred, allowing for a maximum sum at the end of your life.
  • Cash values are not exposed to unpredictable markets of long-term municipal bonds and other investments.
  • You can borrow cash values at a low expense as cash values still build while you pay interest on your policy loan.
  • Typically, death benefits do not face federal income tax upon being received.

If you’d like help with setting up a whole life insurance policy, please request a quote to speak with one of our agents.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life
insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

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