If you’re looking for a product that empowers you to leave a legacy for the next generation and offers financial protection for your loved ones, look no further. 

We offer a permanent insurance product that can help cover expenses associated with death, including funeral costs, estate taxes and out-of-pocket medical expenses. The benefit this coverage provides may also be able to assist those left behind in covering their day-to-day living expenses.

Individual Whole Life Insurance
  • Guaranteed death benefit, generally free from federal income tax**
  • Tax-deferred accumulation of cash values**
  • Lump sum payment to your beneficiaries
  • Payroll deducted premiums
  • A level premium that is guaranteed to never increase and benefits that never decrease, as long as premiums are paid on time
  • Coverage is yours - you can take it with you, wherever you go

**These statements are not intended as tax advice.


Frequently Asked Questions

Whole life insurance provides a guaranteed benefit for final expenses as long as premiums are paid on time.
The main difference between term life and whole life insurance is the length of the policy. With term life, the insured chooses a length of time for the policy to last. If the insured dies during the time period of the policy the beneficiaries receive a death benefit. With whole life, the insured is covered for life and rates will never increase as long as premiums are paid on time. Whole life insurance also builds a cash value over time. There are many advantages to both term and whole life insurance and choosing the better option varies, depending on a person’s unique needs. Below are some of the differences in policy features:
Policy Features
Term Life
Whole Life
Low Premium
Choice of policy length
Guaranteed issue
Accumulates cash value
Lifelong coverage

One of the benefits of whole life is a tax-deferred cash value that builds over time with the policy.* The cash value can be accessed any time as a loan. The face amount of the policy will be reduced by any outstanding loans.
Death benefits paid from whole life insurance are not subject to federal income tax.*
Some of the benefits of Whole Life coverage are:
  • A Guaranteed Death Benefit
  • Tax-Free Cash Value Accumulation that builds as premiums are paid*
  • Portability at the same rate
  • Immediate claims payment
  • Payroll-deducted premiums
  • Waiver of Premium for Disability
  • Competitive Group Rates

*These statements are not intended as tax advice.