Whole Life
Lifelong protection with guaranteed cash value.
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Whole life insurance is permanent coverage that lasts your entire lifetime, as long as premiums are paid. A portion of each premium builds tax-advantaged cash value that grows on a guaranteed schedule, which you can borrow against or use to supplement retirement.
Because the coverage amount and premiums are guaranteed, whole life provides certainty and long-term value that term insurance cannot. Participating policies may also earn dividends that can grow your coverage and cash value further over time.
It is well suited to those who want their insurance to do more than pay out at death — building value they can access during their lifetime while guaranteeing protection that never expires.
What's included
Lifetime coverage
Protection that never expires, as long as premiums are paid.
Guaranteed cash value
A portion of your premium grows tax-advantaged and can be accessed during your lifetime.
Level premiums
Your payments are locked in and never increase.
Dividend potential
Participating policies may earn dividends that increase your coverage and cash value.
Things to consider
- Premiums are higher than term life, but they never increase and the policy builds value over time.
- Cash value grows slowly in the early years — think of it as a long-term commitment.
- Loans or withdrawals against the policy reduce the death benefit if they are not repaid.
Who it's for
Those who want lifelong certainty, a savings component built into their coverage, and a tool for estate planning.
How we help
We walk you through participating and non-participating options, explain how cash value grows, and structure a policy that fits your long-term financial plan.
Ready to explore whole life?
Book a no-obligation consultation and we'll help you find the right coverage.
Book a ConsultationPlease note: Coverage is not guaranteed. Approval depends on your individual application, your personal circumstances, and the insurance company's review and underwriting decision. Final eligibility, terms, and premiums are determined by the insurer.