Whole Life insurance provides permanent protection for your entire lifetime. It builds guaranteed cash value that you can borrow against or use for retirement.
Term life is an expense (like renting). Whole life is an asset (like owning). A portion of your premium goes into a savings vehicle called "Cash Value" that grows tax-deferred over time.
Looking for flexibility? Universal Life offers permanent coverage with adjustable premiums. "Indexed" Universal Life (IUL) allows your cash value to grow based on stock market performance (without the risk of loss).
Leave a tax-free legacy to your children or grandchildren. Life insurance payouts generally bypass probate and are income-tax free.
Fund a Buy-Sell agreement or provide Executive Bonus plans. The cash value can be carried on your business balance sheet as an asset.
We help structure policies for maximum cash growth or maximum death benefit.
Build your legacy.
Because the insurance company KNOWS they will have to pay the death benefit eventually (since we all die). Term insurance bets that you will outlive the policy. Whole life guarantees a payout.
Yes. You can borrow against the cash value at any time for any reason (buy a car, pay for college, emergency). The loan is paid back with interest or deducted from the death benefit when you die.