It wouldn’t be easy without you.

With whole life insurance, you’re covered for life — providing a guaranteed, permanent type of protection and a guaranteed death benefit for your loved ones.

Is whole life insurance right for you? A local, independent agent can help you evaluate your unique family, financial, and future needs to see if this is a good choice for you.

The benefits of a whole life insurance policy include: 

• Life insurance protection for as long as you live, or until age 121. As long as you pay your premiums, no renewals or health evaluations are necessary.
• Guaranteed amount of your death benefit. Upon your death, the beneficiary of your plan will receive its full amount.
• A locked-in insurance premium that will never increase. (In contrast, premiums for a term life policy typically increase each time you begin a new term.)
• Coverage for loss of income, mortgage costs, educational expenses, and a legacy for the next generation.
• Guaranteed cash value that can build over your lifetime.
• The option to borrow against that cash value for emergencies, supplemental retirement income, or any other purpose.
• Several riders and additional benefits to choose from, like Premium Waiver, Accelerated Death Benefit, and Chronic Illness.

Curious about our whole life insurance coverage and rates? Calculate your needs with our life insurance calculator, or talk with a local, independent agent to decide if whole life insurance is right for you.

Life insurance policies are written by our subsidiary, Patriot Life Insurance Company, which operates in many states in the Midwest, Southeast, and Northeast regions of the United States. Learn more (including states where life insurance policies are available) here.