What Is Whole Life Insurance?

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Whole life insurance is a permanent type of insurance that provides a death benefit for your WHOLE life. It is a guaranteed contract with tax-free growth and ready access to cash values.


  • Guaranteed life insurance protection that will not expire as long as premiums and any loan interest are paid
  • Builds guaranteed cash value that is readily accessible
  • No restrictions on how the cash values are used
  • Potential to earn life insurance dividends (available with mutual companies)
  • Customizable to be affordable and meet specific needs
  • Optional riders may be added to help pay for critical and terminal illnesses, disabilities, etc.


Premiums depend on the insured’s age, health, and risk factors at the time the policy is issued and can be designed to remain fixed, decrease or even stop during the life of the insured.

Who It's For

For those who want to leave a financial legacy, build guaranteed tax-free growth, and have access to their money.

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Tools of the Trade - How to Use the Cash Value Tools of the Trade - How to Use the Cash Value in Your Life Insurance A quick reference guide on how policy loans work, how to make loan repayments and how to track your loans.