Lifetime protection with guaranteed cash value growth. Build wealth while protecting your family with coverage that never expires.
Whole life insurance combines lifelong protection with a savings component that grows over time.
Your policy never expires as long as premiums are paid. Guaranteed protection for your entire life.
A portion of your premium builds tax-deferred cash value that you can access during your lifetime.
Your premium is locked in at purchase and never increases, regardless of age or health changes.
Borrow against your cash value for any purpose—emergencies, college, retirement income.
Participating policies may earn dividends that can increase your cash value or reduce premiums.
Leave a tax-free inheritance to your beneficiaries. Great for legacy and estate planning.
One of the biggest advantages of whole life insurance is the cash value component. Here's how it works:
Each premium payment builds equity in your policy. This cash value grows tax-deferred and can be used while you're alive.
Access cash when unexpected expenses arise without affecting your coverage.
Use accumulated cash value to supplement your retirement income.
Borrow against your policy to help pay for your children's education.
Which type is right for you? Here's a quick comparison:
Cash value typically starts accumulating after the first 2-3 years. You can borrow against it anytime after that. Withdrawals and loans may affect your death benefit.
If you have enough cash value, your policy may use it to cover premiums automatically. You also have options to reduce coverage or surrender for the cash value.
Whole life is primarily insurance, not an investment. However, the guaranteed cash value growth and potential dividends make it a conservative way to build wealth while maintaining protection.
Whole life is ideal for those who want permanent coverage, have maxed out other retirement accounts, want to leave an inheritance, or prefer guaranteed returns over market volatility.
Discover how whole life insurance can protect your family and build wealth. No obligation.
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