Life Insurance

Premiums remain the same for the life of the policy. May build tax-deferred cash values.

Typically, whole life insurance is used to cover long-term needs like:
  • Cover final expenses
  • Supplement existing life insurance coverage
  • Provide a gift for an important young person
Compare our Whole Life Insurance Policies
Whole Life Guaranteed (Direct) Whole Life Guaranteed Whole Life Express®
Eligible Ages 45-85 45-85 18-85
Death Benefit Amounts $3,000 – $25,000 $5,000 – $20,000 $20,000 – $50,000 ($5,000 – $50,000 for ages 26-44)
Premiums Never increase Never increase Never increase
Product Features
  • Guaranteed acceptance for ages 45-85
  • No medical exam. No health questions
  • Premiums never increase because of age or health
  • Can help cover final expenses
  • Guaranteed coverage for the insured's lifetime or the life of the policy, provided premiums are paid as required
  • Guaranteed issue, simplified application
  • Can help cover final expenses
  • Guaranteed coverage for the insured's lifetime or the life of the policy, provided premiums are paid as required
  • Simplified underwriting
  • Can help cover final expenses
Apply Online
or call to apply (800) 556-9228
Connect with an Agent Connect with an Agent
Children's Whole Life (Direct) Children's Whole Life
Eligible Ages 14 days – 17 years 14 days – 17 years
Death Benefit Amounts $5,000 – $50,000 $5,000 – $30,000
Premiums Never increase Never increase
Product Features
  • Low childhood rates that never increase
  • Guarantee of up to $250,000 in coverage later in life, regardless of changes in your child's health
  • Cash value that may grow along with your child
  • Just $1 for a full 3 months of coverage
  • Low childhood rates that never increase
  • Guaranteed Future Insurability with a permanent policy regardless of changes in your child's health
  • Cash value that may grow along with your child
Apply Online
or call to apply (800) 556-9228
Connect with an Agent

Other insurance plans you may be interested in:

Provides affordable coverage for a specific period of time. Payment amounts don't change for the guaranteed premium period.


Typically, proceeds from a Term Life Insurance policy may be used to cover needs like:
  • Pay off mortgage on your home
  • Provide an emergency fund
  • Help provide for a child's education fund
  • Pay off personal debts

View plans

Flexible, permanent life insurance protection that lasts for your lifetime or the life of the policy and may build tax-deferred cash values. You determine policy and payment size, subject to policy minimums. This coverage allows you to make changes to it as your needs change.


Typically, universal life insurance is used to cover long-term needs like:
  • Develop an estate plan
  • Facilitate business planning
  • Help provide money for education
  • May develop tax-deferred cash values for special situations such as retirement

View plans