Lifelong coverage with guaranteed cash value. Whole life insurance is permanent coverage that lasts your entire life — not just a set term. It comes with a guaranteed death benefit and a cash value savings component that grows over time.
✅ Guaranteed Lifetime Coverage – As long as you pay your premiums, your loved ones are protected for life.
✅ Builds Cash Value – Part of your premium goes into a cash value account that grows tax-deferred and can be accessed later.
✅ Fixed Premiums – Your rate never increases, no matter your age or health later on.
✅ Wealth-Building Tool – You can borrow against your policy’s cash value for emergencies, home down payments, or retirement planning.
It’s more expensive than term because it lasts forever and builds guaranteed value — but for many, that long-term stability is worth it.
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