Permanent Life Insurance Products

Below is a comparative analysis of  permanent Life Insurance products.

  • All will ensure that your income is protected in case something happens to you.

  • All of them provide life insurance protection for 121 years.

  • There are a few different options you can choose from.

  • You can even decide to choose a combination of products to fit your unique needs. 

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Take a look at how these options stack up

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Whole Life

Guaranteed lifetime protection and access to cash value that's guaranteed to grow.

Lifetime protection as long as your premiums are paid.

Premiums are guaranteed to never increase, and there are options for how long and how often you pay—monthly, quarterly, or yearly.

Guaranteed cash value growth that can be accessed when needed and may increase through dividends, when paid. These benefits accrue tax deferred, allowing you to maximize your savings.

Universal Life

Flexible life insurance policy that comes with a cash value.  You can (increase or decrease) how much you pay towards premiums, the difference is withdrawn from your policy’s cash value.

Lifetime protection as long as your premiums are paid.

This is a flexible premium policy, you have the option to maintain your initial premium or adjust it based upon your budget or coverage needs.

You determine how often you pay: monthly, quarterly, semiannually or annually

Guaranteed cash value growth that can be accessed when needed and may increase through dividends, when paid. These benefits accrue tax deferred, allowing you to maximize your savings.

Index Universal Life

What differentiates the Index Universal Life Policy from the Universal Life policy is it offers the option of having cash value accumulate at interest based on the changes of a major market index and your money is never in the Market; therefore you never lose any money.

Lifetime protection as long as your premiums are paid.

This is a flexible premium policy, you have the option to maintain your initial premium or adjust it based upon your budget or coverage needs.<br>You determine how often you pay: monthly, quarterly, semiannually or annually

Cash Value is set to a minimum guaranteed interest rate, but your actual rate varies based on the performance of a chosen investment fund and could outperform other cash value policies

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LIFE INSURANCE CHOICES
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