What is Whole Life Insurance?

Whole Life Insurance is permanent insurance that is guaranteed to last for your entire life.  Whole life not only provides a guaranteed death benefit, but also builds up cash value that can be available during your lifetime.

Benefits:

• Cash value available for life's needs (college costs, vacation home, etc.)
• Great way to accumulate tax deferred funds
• Easy access to cash value via loans or withdrawal
• Can be used to transfer wealth to heirs

 

Whole Life 100

A Whole Life 100 serves as a solid foundation for any life insurance program, offering a whole life policy with a fixed, level premium.

• Ideal for families and individuals wishing to preserve or accumulate wealth
• Fixed premium to age 100

Life Paid Up at 65

A whole life policy with level premiums payable to age 65.

• Ideal for individuals who want premiums to end during retirement years (at age 65)
• Higher accumulated cash value at age 65 than Whole Life 100

Life Paid At 95

A whole life policy with level premiums payable to age 95.

• Ideal for wealth accumulation
• Cash value available for life's needs
• Can be used to transfer wealth to heirs

What is Universal Life Insurance?

Universal Life Insurance is permanent insurance with the main feature being flexibility.  You can change your premium and death benefit at any time.  Universal Life can be an inexpensive way to guarantee a death benefit that is payable to your age 100 and beyond.

Family Universal Life

Family Universal Life gives you the freedom to design an insurance plan you can adjust as your needs change without changing policies.

• Ideal for growing families with modest income
• Offers the flexibility to change coverage as your needs change
• As your income grows, premiums can be increased to build cash values more quickly
• Guaranteed option available with attractive cash out options

Single Premium Life

With SPL, you make a one-time premium payment to secure a totally paid up policy providing a guaranteed death benefit.

• Ideal for those in or approaching retirement
• Interest credited immediately upon payment of premium