Whole life

Permanent coverage that won't expire.

Whole life insurance is built to last a lifetime. The premium never goes up, the death benefit never goes down, and a portion of every dollar you pay builds cash value you can borrow against later.

• Lifetime rate lock

  Your premium is fixed the day the policy is issued.

• Cash value

  Builds tax-deferred and can be borrowed against.

• Guaranteed death benefit

  The payout is contractually guaranteed.

• Dividends (with some carriers)

  Mutual carriers may pay annual dividends.