Whole Life Insurance

Whole life insurance is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency. Our premiums are guaranteed not to increase, and benefits are paid directly to the person of your choosing.

Additional Benefits

Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement

Allows the owner a one-time election to receive the Accelerated Benefit if the insured is either:

Diagnosed with a terminal illness that, with a reasonable degree of certainty, will result in death within 12 months or less from the date a physician signs the statement of proof.
Has been confined to a nursing home for 90 consecutive days or more and is expected to remain confined for the duration of their life.

Accelerated Death Benefit for Terminal Illness or Chronic Illness Rider

Allows the owner a one-time election to receive the Accelerated Benefit if the insured is either:

Diagnosed with a terminal illness that will result in death within 12 months or less from the date a physician signs the statement of proof.
Certified by a physician as unable to perform at least two activities of daily living due to a chronic illness.

Accelerated Death Benefit for Terminal Illness Rider

Provides the option to receive an Accelerated Benefit if diagnosed with a terminal illness that will result in death within 12 months.

Optional: Accidental Death Benefit Rider

Provides an additional death benefit equal to the policy’s face amount if death results from accidental bodily injury, independently of sickness or other causes. Available for an additional premium.

Key Highlights

Designed for seniors and their grandchildren.
Benefit plans start from $2,000 – $50,000.
Guaranteed coverage up to age 100.
Tax-free benefits for you and your grandchildren as long as premiums are paid.
Limited health questions, No Medical Exams Required.

Schedule a Call with Our Service Agent

To discuss how this program can benefit your family, complete the form below, and our agents will contact you shortly.

Whole Life Insurance FAQ

How much life insurance do I need?

The amount of life insurance coverage you need will vary based on your unique situation. Your policy benefits could help your beneficiaries pay for funeral costs, outstanding debts, and any other immediate financial needs they may have. A licensed insurance agent can help you find the right policy for your family’s needs.

What is whole life insurance?

Whole life insurance helps cover you for the rest of your life. The premiums you pay help cover the costs of insuring you and can also accrue additional cash value that you can use for loans and to provide additional tax-deferred financial benefits to your loved ones when you pass away. Whole life insurance benefits can help pay for your funeral and burial costs and allow you to leave a long-term financial legacy for your loved ones.

Is a medical exam required?

You do not need a medical exam to qualify for a Guaranteed Whole Life Insurance policy.

How do I get started finding the right policy for me?

You can Schedule a Call with our service agent. We can help you compare your life insurance options to find a policy that fits your needs and helps give you peace of mind.

How can I use my guaranteed whole life insurance benefits?

Your benefits can be used to cover:

Burial/funeral expenses: Grave plot, grave opening and closing, headstone/marker, cremation, funeral home services, caskets, urns, and more.
Final expenses: Medical expenses, legal and administrative costs, estate taxes, outstanding debts, and credit card debt.
Financial support: Your loved ones can utilize the benefits to address their financial needs.

As you continue paying premiums on your policy, you also receive benefits, including the ability to access the cash value.

What factors affect the price of guaranteed whole life insurance?

The cost of guaranteed whole life insurance is based on:

Age: Younger policyholders typically pay lower premiums.
Gender: Premiums may vary based on gender due to life expectancy differences.
Coverage amount: Higher death benefits result in higher premiums.

Apply early for life insurance, as policy rates increase with age. Once you apply, your premiums are locked in for life.

Feel free to Schedule a Call with our licensed agent to compare life insurance options and find a policy that provides peace of mind.