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 whole life insurance
A whole life insurance policy (also called permanent life insurance) gives you coverage for your entire lifetime as long as you pay your premiums. Your designated beneficiary receives the guaranteed death benefit, and you benefit from accumulating cash value that you can borrow against.

With whole life insurance, your coverage lasts for life typically up to age 100. You decide the coverage amount at purchase, and upon your passing, your beneficiary collects the full payout. If you live past 100, your policy pays out as an endowment.

  • Stable, affordable premiums – You lock in low rates for life while providing robust death protection.
  • High coverage you can afford – Low fixed premiums enable you to choose significant death benefits.
  • Lifetime protection – Coverage continues until age 99 or 100.
  • Built in riders available – Add-ons like accidental death, disability, or critical illness can broaden your protection.
  • Monthly income option – Set death benefits to be paid in installments for ongoing support.
  • Guaranteed premiums – Your payment won’t fluctuate with market shifts.
  • Access to cash value – Borrow or withdraw funds when you need them.
  • Assured death benefit – As long as premiums are paid, your beneficiaries receive what's guaranteed.

Whole life insurance protects your family financially during your working years and builds into a long-term estate-planning tool. It helps ensure your loved ones stay secure, even if unexpected events happen. Over time, it serves as a wealth-transfer vehicle, safeguarding your legacy when life gets complicated.

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