Life Insurance
Whole Life Insurance
Permanent coverage that remains active as long as premiums are paid, featuring a cash component you can access before death.
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Whole Life Insurance Coverage
Whole life insurance provides permanent coverage that lasts your entire lifetime, not just a set number of years like term insurance. As long as you pay your premiums, your policy remains in force and your death benefit is guaranteed.
One of the unique features of whole life is the cash value component. A portion of each premium goes toward building cash value that you can access during your lifetime through loans or withdrawals. This cash value grows tax-deferred and can be used for any purpose.
Note that the cash value doesn't transfer to your beneficiaries - they receive the death benefit. However, you can access this value while living, making whole life both protection and a financial asset.
Key Features
Lifetime Coverage
Coverage remains in effect for your entire life as long as premiums are paid - it never expires.
Cash Value Growth
A portion of your premium builds cash value that grows tax-deferred over time.
Fixed Premiums
Your premium amount is locked in and never increases, regardless of age or health changes.
Guaranteed Death Benefit
Your beneficiaries are guaranteed to receive the death benefit when you pass away.
Cash Value Benefits
Term vs. Whole Life
Term Life Insurance
- Coverage for a specific period
- Lower premiums
- No cash value
- Expires if you outlive the term
- Best for temporary needs
Whole Life Insurance
- Lifetime coverage guaranteed
- Higher premiums
- Builds cash value
- Never expires with paid premiums
- Best for permanent needs
Participating Policies & Dividends
Some whole life policies are “participating,” meaning they may pay dividends based on the insurance company's performance. Dividends are not guaranteed but can be used to:
Whole Life Is Ideal For
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Lifetime Protection & Cash Value
Build wealth while protecting your family with whole life insurance.