Whole life insurance is designed to help protect your loved ones from the financial consequences of your death – now and in the future.
Whole life insurance offers premiums that are guaranteed not to increase, a benefit to be paid to your designated beneficiaries at your death and potential cash value that grows on a tax-deferred basis*. And you can access that cash value** growth for monetary needs that might come up for you or your loved ones.
* Consult with a professional tax and/or legal advisor before taking any action that may have tax or legal consequences.
** The amount that may be available through loans, as defined in the contract. Any policy loans and loan interest will reduce policy values and benefits.
Whole life insurance might be right for you if…
You have long-term life insurance needs
You need to cover final expenses such as medical or funeral expenses or credit card debt
You want to leave a legacy for a young person who is important to you
You would like to supplement existing life insurance coverage
Product Details
- Guaranteed coverage
- Policy issue ages: 45 – 85 (in NY, ages 50-75)
- Benefit amounts: $2,000 – $25,000
- No medical exams or health questions to answer
or call to apply 800-377-9000
A Whole Life Guaranteed policy also includes a graded death benefit. If death occurs from natural causes (not accidental) during the policy's first two years, the beneficiary will receive all premiums you paid plus 10 percent. Once the two year period ends, the beneficiary will receive the policy's full benefit. Full death benefits will be paid if death results from an accidental injury.
The younger you are, statistically, the longer you’ve probably got left to live. So, a premium payment at a younger age is generally less expensive.
On average, women live longer than men, which means they generally pay lower rates for life insurance.
Like most things, with life insurance, the more you purchase, the greater the total cost.
Our average timeframe for this process is less than one week.
Complete the online application.
Your application is reviewed to ensure completion.
If all questions have been answered and you meet all eligibility requirements, your policy is issued and delivered to you.
Living Promise
Two coverage choices:
Level Benefit Plan
- Policy issue ages: 45 - 85
- Benefit amounts: $2,000 - $40,000 (in WA, $5,000 - $40,000)
- Accelerated Death Benefit for Terminal Illness or Nursing Home Confinement
Graded Benefit Plan ***
- Policy issue ages: 45 - 80
- Benefit amounts: $2,000 - $20,000 (in WA, $5,000 - $40,000) ****
*** This policy contains a graded benefit meaning that for death due to natural causes (any cause other than accidental) during the first two years; the beneficiary will receive all premiums plus 10 percent. After the two years, the full benefit is paid for death due to all causes. Full death benefits will be paid, in all years, if death results from an accidental bodily injury.
Not available in AR, MT, NC
**** Face amounts can vary by issue age
The younger you are, statistically, the longer you’ve probably got left to live. So, a premium payment at a younger age is generally less expensive.
On average, women live longer than men, which means they generally pay lower rates for life insurance.
Like most things, with life insurance, the more you purchase, the greater the total cost.
Tobacco users will pay more because usage puts you at a higher risk for health ailments that can impact the number of years you live.
Healthy individuals or individuals who diligently manage their health situations will pay less because they tend to live longer and therefore are a more favorable life insurance risk.
Our average timeframe for this process is less than one week.
Complete the application; your agent will submit it.
Your application is reviewed to ensure completion.
Your policy is issued and delivered to you.
Here's another product that may fit your needs
Looking to insure your children or grandchildren? We offer insurance for that too.
Learn More about Children's Whole Life