Permanent Life Insurance

Permanent life insurance offers lifetime coverage, ensuring your beneficiaries receive a guaranteed death benefit no matter when you pass away. It’s a dependable way to secure long-term financial protection.

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Is Permanent Life Insurance Right for You?

Permanent life insurance is designed to offer lifelong protection, making it a strong choice for individuals who want coverage that won’t expire as they age. Unlike term life insurance, which provides coverage for a limited period, permanent life insurance guarantees a generally tax-free death benefit that remains in place for your entire life — as long as premiums are paid. While it typically comes with higher premiums, those costs reflect the long-term stability and added value the policy provides.

Premiums are often level and fixed, meaning they won’t increase as you get older, and there’s no need to re-qualify or undergo additional health screenings later in life. In addition to the death benefit, permanent policies build tax-deferred cash value over time, which you can borrow against or withdraw if needed. This combination of protection, predictability, and financial flexibility makes permanent life insurance a valuable tool for long-term planning, especially if you’re looking to leave a legacy, supplement retirement income, or ensure ongoing support for dependents.

Three Types of Permanent Life Insurance

Whole Life Insurance

Whole Life Universe is often considered the gold standard, whole life provides fixed premiums, guaranteed lifelong coverage, and strong cash value growth. You can access your cash value anytime, and the policy can be paid over your lifetime or a limited period. For long-term stability, it’s hard to beat.

Universal Life Insurance

Universal Life offers permanent coverage with flexible premiums and adjustable death benefits. It’s usually more affordable than whole life and also builds cash value, though typically at a slower rate.

Survivorship Life Insurance

Survivorship Life Insurance (Second-to-Die) insures two people and pays the death benefit after the second person passes. It’s ideal for estate planning, funding trusts, or covering estate taxes — especially for couples. It’s also more affordable than buying two separate policies.

Permanent life insurance is a smart choice if you want guaranteed lifelong protection, potential cash value, and peace of mind knowing your family will be taken care of — no matter what.