Whole life insurance

Guaranteed lifetime protection plus a savings component that grows over time. A policy that lasts as long as you do.

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Agent tip

Buying when you're young and healthy is the best financial decision. The premium rises with age and health status.

What's included?

Guaranteed death benefit

Coverage never expires — as long as you pay premiums, your family receives the benefit when you pass.

Cash value

The policy accumulates cash value over time, which you can use as a loan or withdrawal.

Key benefits

Fixed premium for life

The premium never increases. Buying young and healthy locks in the lowest premium for life.

Cash value for emergencies

You can borrow against your policy's cash value for emergency expenses, education or retirement.

Estate planning tool

The death benefit is generally tax-free for beneficiaries and avoids the probate process.

Frequently asked questions

Is whole life worth it vs term life?

Term is better for pure, affordable protection over a specific period. Whole life makes sense if you want permanent coverage, cash value accumulation or estate planning.

Can I withdraw the cash value?

You can take loans against it (tax-free up to the level of premiums paid) or make withdrawals. Withdrawals exceeding premiums paid may be taxable.

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