Whole life insurance

WHOLE LIFE INSURANCE

Discover the Power of Whole Life Insurance

Whole life insurance offers lifelong coverage while building cash value over time. This unique combination provides financial security and a valuable asset for your future.

State Licensed

All 50 States

BBB Accredited

A+ Rating

20+ Years

Industry Experience

10,000+ Families

Protected & Served

Key Benefits

Why Choose Whole Life Insurance?

Lifetime Coverage Guarantee

Your policy never expires — coverage is guaranteed for life as long as premiums are paid on time.

Tax-Deferred Cash Value

Accumulated cash value grows tax-deferred and can serve as a financial resource you can borrow against.

Fixed Premiums for Life

Lock in your rate today. Whole life premiums never increase, regardless of your age or health changes.

Estate Planning Tool

Use whole life strategically to pass wealth to heirs, cover estate taxes, or fund a trust.

Who Is It For?

Is This Right for You?

Whole life insurance is an excellent choice for individuals who want permanent protection, those using life insurance as part of an estate plan, business owners funding buy-sell agreements, high-income earners seeking tax-advantaged savings, and parents who want to lock in low rates for their children.

How It Works

The Simple Path to Coverage

Identify Your Goals

We explore whether your priority is income replacement, wealth transfer, business protection, or tax-advantaged savings to choose the best policy structur

Select Your Coverage Amount

Your advisor recommends an appropriate death benefit based on your estate, income, and legacy goals.

Complete the Application

A health interview and medical records review are typically required. Healthy applicants qualify for preferred rates.

Premiums Begin Building Cash Value

From day one, a portion of every premium goes into your policy's cash value account, growing at a guaranteed rate.

Access Your Policy's Benefits

Over time, you can borrow against cash value, take dividends (on participating

We offer several types of permanent life insurance

Balances guaranteed life insurance coverage with accumulation of cash value, which can be a convenient way to supplement retirement income

Custom Whole Life Insurance

Gives you choices to limit your premium-paying period to a certain number of years, while maximizing the cash value of your policy

Secure Wealth Plus

Valuable life insurance protection, an expedited underwriting process9 and guaranteed accumulation of cash value, which is increased during early years of coverage

Riders (add-ons) to customize your whole life policy

Disability Waiver of Premium

If you become disabled and can no longer work, this rider ensures your life insurance policy stays in force without the need to pay premiums. It offers peace of mind, allowing you to focus on recovery while keeping your coverage intact.

Chronic Care

This rider provides access to your policy’s benefits if you are diagnosed with a chronic illness that requires ongoing care. It helps cover the cost of treatments and long-term care, easing the financial burden on you and your family.

Living Benefit

If you are diagnosed with a terminal illness, the living benefit rider allows you to access a portion of your policy’s death benefit while you're still alive. This gives you the financial flexibility to manage medical costs or other personal expenses.

Option to Purchase Paid-Up Additions

With this rider, you can buy additional coverage over time without needing to undergo another medical exam. It increases both your policy’s death benefit and cash value, enhancing your financial security.

Accidental Death Benefit

In the event of death due to an accident, this rider provides an extra payout to your beneficiaries. It adds another layer of protection, ensuring your loved ones receive more financial support during difficult times.

FAQs

Here are some common questions about insurance to help you make informed decisions.

What type of insurance should I get?

The type of insurance you need depends on your personal circumstances. Consider factors like your age, health, and financial responsibilities. A life insurance policy can provide peace of mind for you and your loved ones.

When should I buy insurance?

It's best to buy insurance when you are young and healthy, as premiums are generally lower. Additionally, securing coverage early can protect you from potential health issues later. Evaluate your life changes, such as marriage or having children, as these are key times to consider insurance.

What does an insurance policy cover?

An insurance policy typically covers death benefits, which provide financial support to beneficiaries. Some policies may also include additional features like cash value accumulation or riders for critical illness. Always read the policy details to understand what is included.

How much life insurance do I need?

It depends on factors like your income, debt, family needs, and future financial goals. Generally, coverage should be 5-10 times your annual income, but consulting with an advisor can help tailor it to your needs.

What steps do I follow to get insurance?

To get insurance, start by assessing your needs and budget. Then, research different policies and providers to find the best fit. Finally, apply for coverage and complete any necessary medical exams.

If I have coverage from my employer, do I also need individual insurance?

Having coverage from your employer is beneficial, but it may not be sufficient. Individual insurance can provide additional security and flexibility tailored to your needs. It's wise to evaluate your overall coverage to ensure you are adequately protected.

Still have questions?

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