Whole Life Insurance

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Whole life insurance is a permanent policy, which gives you guaranteed protection for your loved ones that lasts a lifetime. With whole life insurance, unlike term, you build guaranteed cash value, which you can use however you want. Participating whole life insurance is eligible to earn dividends,1which can be used to increase the death benefit and the cash value of the policy. Or there are other options you could choose, such as using dividends to help pay premiums.

Whole life coverage may be right if you: 

• Need coverage that doesn’t require a medical exam or health questions
• Have a tight budget or fixed income and need a premium that won’t increase
• Need coverage for burial, funeral, or other final expenses, or to pay off debts
• Would like to supplement existing insurance coverage
• Want to build cash value and have access to funds in an emergency