Permanent protection that lasts your entire life, with premiums that never increase and cash value that grows over time. Whole life insurance is the foundation of long-term financial security.
Whole life insurance combines lifelong protection with guaranteed cash value growth—creating both security and opportunity.
Unlike term insurance, whole life never expires. As long as premiums are paid, your coverage remains in force for your entire life.
Your premium is set when you buy the policy and never increases—regardless of age or health changes. What you pay today is what you'll always pay.
Part of every premium builds cash value that grows tax-deferred. This is money you can access during your lifetime if needed.
Borrow against your cash value for emergencies, opportunities, or supplemental retirement income—without credit checks or bank approval.
Many whole life policies from mutual companies pay dividends, which can be used to increase coverage, reduce premiums, or accumulate additional cash.
Your beneficiaries receive the full death benefit tax-free, providing immediate financial security when they need it most.
A portion goes toward the cost of insurance, and a portion builds your guaranteed cash value.
Your cash value grows tax-deferred at a guaranteed rate, plus potential dividends from mutual companies.
Borrow against your cash value at any time for any reason—emergencies, opportunities, or retirement.
When you pass, your beneficiaries receive the full death benefit tax-free, regardless of market conditions.
Whole life insurance is often ideal for people who:
Whole life vs. term? Both have their place. Let's discuss your goals and find the right fit for your situation.
Let's explore how whole life insurance can fit into your long-term financial plan. No pressure, just clear guidance.