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Continues protect your legacy with whole life insurance

Our permanent policy is designed to build confidence and ensure generational security

Like all life insurance policies, whole life insurance helps prepare your family for the unexpected. It will help replace lost income, mortgage payments, and children’s education.  The difference is the option to leave a legacy for the next generation. Whole life insurance products are designed to build cash value that grows (tax deferred) and can be accessed during your lifetime.

Protect your legacy

Reasons to buy whole life insurance:

  • Permanent policy
  • Guaranteed protection for loved ones
  • Earn cash value
  • Earn dividends
  • Income replacement
  • Education funding
  • Death benefit

Along with all the benefits of term life insurance, whole life insurance is a permanent policy that lasts as long as the policyholder’s life.  It builds cash value and gives you the option to earn dividends to increase your death benefit or lower your monthly premium.  We advise speaking to a licensed agent who will walk you through every aspect of a life insurance product.

We make it easy to shop for insurance.  We work with all the major carriers so you can see your options in one place.  Our agents sit with you one on one, on your time, to explain what is
available to you.  Make sure your family is protected by planning for the future and all that life holds.  Take steps now to learn about the different products and what you qualify for.  Whole life
insurance can be used in many ways and should be considered when planning your family’s future, estate, and security.

Important aspects of a whole life insurance policy:

Death Benefit

Whole life policies guarantee death benefits for the entire life of the insured.  Regardless of how long you live, your family will receive the stated amount of the policy.

Build Cash Value

Over time, cash value will build in your whole life insurance policy.  You can use it for college tuition, to supplement your retirement, or for emergencies.

Earn Dividends

Depending on the carrier and the details of the policy, whole life insurance policy owners can receive dividends on the policy. This can lower the monthly premium or increase the death benefit. There are many options, and it's best to seek the advice of a professional licensed insurance agent.

FAQ's

Whole life insurance is a type of permanent life insurance that provides coverage for the entire life of the insured, as long as premiums are paid. It differs from term life insurance, which offers coverage for a specific term (e.g., 10, 20, or 30 years). Whole life insurance also accumulates cash value over time, which can be accessed during the insured’s lifetime. This cash value growth is tax-deferred and can be used for various purposes such as supplementing retirement income, funding education expenses, or emergencies.

Whole life insurance offers several benefits:

  • Permanent Coverage: It provides lifelong coverage, ensuring that your loved ones receive a guaranteed death benefit whenever you pass away.
  • Cash Value Accumulation: The policy builds cash value over time, which grows tax-deferred. This cash value can be borrowed against or withdrawn for various financial needs.
  • Dividends: Depending on the insurance carrier and policy, whole life policies may earn dividends, which can be used to increase the death benefit, reduce premiums, or be taken as cash.

Whole life insurance serves multiple purposes in securing your family’s financial future:

  • Income Replacement: It can replace lost income for your family in the event of your death, helping them maintain their standard of living.
  • Estate Planning: Whole life insurance can be used as a tool for estate planning, providing liquidity to pay estate taxes and ensuring assets are transferred smoothly to beneficiaries.
  • Legacy Planning: By leaving a guaranteed death benefit, whole life insurance allows you to leave a financial legacy for your loved ones, helping to support their long-term financial security.