Whole life Insurance

 

Level Premiums and Lifelong Protection - That's Permanent Life Insurance

How it Works

Permanent life insurance helps your family prepare for the unexpected. Depending on your needs, the product selected can build tax-deferred cash value you can use for a family's loss of income, mortgage costs, or educational needs - or to leave a legacy for the next generation. Our permanent life insurance policies offer level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. We offer permanent life policies that can be paid with premiums payable to 100, or premiums payable up to a limited number of years. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value (if applicable).

Term to 100

Affordable Lifetime protection

Features:

  • Level premiums to age 100
  • Death benefits that generally pass on tax-free to your beneficiaries

Guaranteed Whole Life

Lifetime protection for lifetime of needs and opportunities.
Sample rates are for a 25-year-old female in good health. Contact to get a quote.

Features:

  • Level premiums to age 100
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to you beneficiaries
  • Cash values can be accessed during your lifetime

Life Paid-up at 65

Provides a paid-up insurance policy upon retirement at age 65 (minimum of 15 years of payment)

Features:

  • Cash Values can be accessed during your lifetime.

20 Pay Life

A lifetime of benefits without a lifetime of premiums.

Features:

  • Premium payments limited to 20 years
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to your beneficiaries
  • Cash values can be accessed during your lifetime

10 Pay Life

A lifetime of benefits without a lifetime of premiums.

Features:

  • Premium payments limited to 10 years
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to your beneficiaries
  • Cash values can be accessed during your lifetime

Final Expense - Golden Edge

Designed to ease the financial burden on your loved ones for your final expenses.

Features:

  • Death benefit from $2,500 to $25,000
  • Premiums are guaranteed level up to age 100
  • Tax-deferred growth of cash value

Life Paid-up at 65 with Long-term Care Advance

Provides a paid-up insurance policy upon retirement at age 65 (Subject to a minimum of 15 years of premium payments)

Features:

  • Starting at age 65, a tax-free advance of 1% of the life insurance benefit up to 100 months is paid in case of a loss of independence
  • Cash values can be accessed during your lifetime
  • At death, the balance of the insurance is paid to your beneficiaries with a minimum of 25% of the initial life insurance amount

20 Pay Life with Long-term Care Advance

A lifetime of benefits without a lifetime of premiums.

Features:

  • Starting at age 65, a tax-free advance of 1% of the life insurance benefit up to 100 months is paid in case of a loss of independence
  • Cash values can be accessed during your lifetime
  • At death, the balance of the insurance is paid to your beneficiaries with a minimum of 25% of the initial life insurance amount

How can I get this insurance?

Talk to us to assess your financial needs today and help you ensure your financial security Fill the form Get a quote.

 
 

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