Whole life insurance that builds value.
Lifelong protection from top-rated carriers, guided by a licensed agent.
Permanent protection that lasts your entire lifetime.
Whole life is built to stay in force for as long as you live — a guaranteed benefit, premiums that never rise, and cash value you can build on.
Whole life insurance is a type of permanent life insurance that remains in force for your entire lifetime, as long as premiums are paid. It guarantees a death benefit whenever you pass away, and unlike term life — which covers a set number of years and then ends — whole life is designed never to expire.
Part of every premium also goes into a cash value account that grows tax-deferred at a guaranteed rate. Over time that cash value can become a meaningful financial asset you can access while you're living — for emergencies, retirement income, or other needs. That combination of lifelong protection and built-in savings is what makes whole life a versatile part of many families' plans.
Get coverage in place today
Coverage that lasts — and grows with you
Four reasons whole life is the go-to choice for lifelong, guaranteed protection.
Coverage for life
Protection that never expires — your policy stays in force for your entire lifetime as long as premiums are paid.
Premiums never rise
Your premium is locked in and stays level for life, and the death benefit is guaranteed — no surprises, no increases with age.
Builds cash value
Part of each premium grows tax-deferred at a guaranteed rate — a living asset you can borrow against or draw on later.
Leave a legacy
A dependable way to cover final expenses, support estate planning, and leave a tax-free benefit to the people you love.
Three simple steps to whole life coverage
No pressure and no guesswork — a dedicated licensed agent guides you the whole way.
Tell us about you
Complete a short online form in about two minutes — just the basics we need to shop for you.
Compare with an agent
A dedicated licensed agent compares top-rated carriers side by side to find your best whole-life value and riders.
Put coverage in place
Review your options, ask questions, and lock in lifelong coverage at a premium that fits your family and budget.
Whole life comes in a few forms
Common variations of permanent coverage — your agent will help you choose the right fit.
Traditional whole life
The classic permanent policy: level premiums, a guaranteed death benefit, and cash value that builds at a guaranteed rate for as long as you live.
Participating (dividend-paying)
Policies from mutual insurers may pay dividends, since policyholders are treated as owners. Dividends aren't guaranteed, but they're generally income-tax-free and can add to your policy's value over time.
Final expense / burial
Smaller permanent policies (often $2,000–$50,000) built to cover funeral, burial, and end-of-life costs — so those bills never fall to your family.
Learn about final expense →Guaranteed issue
Lifelong coverage with no medical exam and no health questions. A simple, worry-free option, typically for smaller amounts, often with a short graded period at the start.
About no-exam coverage →Survivorship (second-to-die)
One permanent policy covering two people, paying out after the second passing. Often used in estate planning — and usually cheaper than two individual policies.
Learn about survivorship →Not sure which fits?
The right permanent policy depends on your goals — final expenses, legacy, estate planning, or building cash value. A licensed agent will walk you through the options.
Read the life insurance guide →Your cash value, working for you
As your policy's cash value grows, you can borrow against it with a policy loan — typically tax-free and with no credit check, using the cash value as collateral. Just know that an outstanding loan reduces the death benefit until it's repaid with interest. (General information only; how cash value and loans work depends on your policy, carrier, and how long it's been in force.)
Which type of coverage is right for you?
The short version: whole life lasts your entire lifetime and builds cash value; term is lower-cost protection for a set period. Here's how they compare.
Lifetime coverage, builds value
- Permanent — stays in force for your entire lifetime
- Guaranteed death benefit no matter when you pass
- Level premiums that are locked in and never rise
- Builds tax-deferred cash value you can borrow against
- Often used for legacy, final expenses, and estate planning
Affordable protection, set period
- Covers a fixed term — usually 10 to 35 years
- Fixed, budget-friendly premiums throughout the term
- Typically 5–10× cheaper than permanent coverage
- Pure protection — no cash value or savings component
- Ideal for income, mortgage, and raising a family
Many families use both — affordable term life for the high-coverage years plus a smaller whole life policy for permanent protection. Compare universal life too, or read the full guide. Not sure? Your agent will walk you through it.
Real people, top-rated carriers, no sales pressure
Whole life coverage from the carriers you know
Easy, painless, and fast
“The best and easiest way ever to purchase life insurance. I know — I was a life insurance salesman for 9 years!”
Kerry M. — Ferguson, KY“Far above the service I expected. They held my hand through every step and always kept me informed. A pleasure!”
Erin P. — Glen Allen, VAWhole life insurance, answered
Straight answers to the questions we hear most. Want yours answered personally? A licensed agent is one call away.
Does whole life insurance build cash value?
Yes. A portion of your premium goes into a cash value account that grows tax-deferred at a guaranteed rate. Over time this cash value can become significant and may be used for emergencies, retirement income, or other financial needs — a living benefit on top of the death benefit.
What's the difference between whole life and term life?
Whole life lasts your entire lifetime and builds cash value you can borrow against or use later. Term life covers a set period — usually 10 to 35 years — and is generally much more affordable, but it doesn't build savings and ends when the term is up. Learn more about term life.
Can I borrow against my whole life policy?
Yes. You can take out a policy loan using your cash value as collateral. These loans are typically tax-free and don't require a credit check. Keep in mind that an outstanding loan reduces the death benefit until it's repaid with interest.
Do whole life premiums ever increase?
No. Whole life is designed to stay in force until you pass away, with a level premium that doesn't increase. That's a key difference from term life, which ends — or becomes far more expensive — once the original term is over.
What are dividends on a whole life policy?
Some whole life policies are issued by mutual insurers and are known as “participating” or “par” policies. Because policyholders are considered owners, any excess profits may be paid back to them as dividends. Dividends aren't guaranteed, but they're generally not subject to income tax and can enhance your policy's value over time.
Can I combine term and whole life insurance?
Absolutely. Many people use a hybrid strategy — affordable term insurance for their high-coverage years plus a smaller whole life policy for permanent protection and cash value growth. It balances cost, flexibility, and long-term security. Your agent can help you size both.
Lock in lifelong coverage today.
It takes about two minutes to start. A licensed agent handles the rest — comparing top-rated carriers to find whole life coverage that protects your family for good.
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