Invest in Tomorrow
Whole Life Insurance for Lifelong Benefits. Invest in your family's dreams while protecting their future. Whole Life Insurance offers financial security and cash value growth for a lifetime. Start building your legacy now
Discover the Power of Whole Life Insurance
Choosing Coverage Amount
When you purchase a whole life insurance policy, you'll need to determine the coverage amount, also known as the death benefit. This is the amount that will be paid to your beneficiaries upon your death.
Guaranteed Death Benefit
Whole life insurance pays a tax-free death benefit to your beneficiaries whenever you pass away, as long as the policy is in force and premiums are paid. It can help cover funeral expenses, settle debts, replace lost income, or provide financial security for your loved ones.
Accumulating Cash Value
Premium payments build tax-deferred cash value, invested by the insurance company based on a predetermined interest rate or investment returns, so you don't pay taxes on growth while the policy remains active.
Policy Customization
Whole life insurance policies offer flexibility and customization options. You can add riders or additional benefits to your policy, such as a critical illness rider or a long-term care rider, to enhance the coverage and tailor it to your specific needs.
How Whole Life Insurance Works
Whole life insurance is a permanent life insurance option that guarantees coverage for your entire lifetime, as long as you continue paying the premiums. When you buy a whole life policy, you agree on a fixed premium that remains constant over time. A portion of each premium payment goes towards building a cash value within the policy, which grows over the years with a guaranteed minimum interest rate and potential dividends (for participating policies). This cash value can be withdrawn or borrowed against during your lifetime. Importantly, whole life insurance provides a death benefit to your beneficiaries when you pass away, which is generally tax-free and can be used to cover various financial needs such as funeral expenses, debt settlement, or providing ongoing support to your loved ones.
Jump start your kids' wealth with children's whole life insurance
Click below to view some facts on CWL policies
- Available for ages 14 days to 17 years
- Available in face amounts of $5,000 to $50,000
- Rates never increase for the life of the policy (policy matures at age 100)*
- Builds cash value until policy matures
- Use cash value for college fund, down payment on property, etc
- Borrow from cash value tax-free
- Builds interest!
Your Financial Safety Net
Unexpected expenses can arise anytime. Whole Life Insurance doesn't just offer a death benefit; it's your financial safety net. Access cash value for emergencies or opportunities while ensuring your family's long-term security.