What is Whole Life Insurance?
Whole life insurance offers lifelong coverage, fixed premiums, guaranteed death benefit, and a cash value that grows over time—providing financial security and flexibility.
Policy Benefits:
Lifetime Coverage
Guaranteed Premiums
Cash Value
Dividends
Loan Options
Level Death Benefit
FAQ
What is the cash value?
Part of your premium goes into a savings component, called cash value, which grows tax-deferred and can be accessed via loans or withdrawals.
Do premiums ever increase?
No, your premiums are fixed and guaranteed to never increase as long as you pay on time.
Can I receive dividends?
Many whole life policies pay dividends that you can take as cash, use to reduce premiums, buy additional coverage, or leave to grow.
What happens if I surrender the policy?
If you cancel, you’ll receive the cash value (minus any loans/fees), but coverage ends and the death benefit is no longer paid to beneficiaries.