Permanent coverage
Whole Life Insurance
Permanent life insurance designed to remain in place as long as policy requirements are met, with features that may include cash value.
Coverage designed to stay in place
Whole life insurance is designed to provide permanent coverage as long as the policy remains in force. On the call, a licensed agent can compare whole life and term options side by side, so you can see how each fits your goals and budget before you decide.
A good fit when…
- You want coverage designed to remain in place rather than end after a set period.
- You're interested in policies that may build cash value over time.
- You're planning for final expenses or support for the people who depend on you.
- You want to understand your options before deciding anything.
Worth knowing first
- Premiums are generally higher than term coverage for a similar benefit amount.
- Cash value features vary by policy and generally build gradually.
- Loans or withdrawals, where available, can affect the policy's benefit — ask how before using them.
- Eligibility, premiums, and features vary by carrier, age, health, and state.
Common Questions
Common questions
Get straightforward answers to some of the questions people commonly have when exploring coverage.
How is this different from final expense insurance?
Final expense insurance is generally a smaller whole life policy focused on end-of-life costs. Other whole life policies may offer larger benefit amounts and additional features, depending on eligibility.
Can I access the cash value while alive?
Some policies allow loans or withdrawals, subject to the carrier's terms. A licensed agent can explain how that works for a specific policy before you enroll.
Take the Next Step
Find coverage that fits your life.
Speak with a licensed insurance professional who can help answer your questions and explain the life insurance options that may be available to you.
Speak With a Licensed Agent
