Alfa2Go icon

Alfa2Go

GET - In Google Play

View
Permanent Life Icon - red heart shape with a cardiac beat wave

Permanent Life Insurance Plans

Permanent life insurance can be a smart option for those wanting to build cash value while providing a death benefit. Explore these products to find a policy that meets your needs.

Call to start your quote    

Call us at 1-800-964-2532 to learn more about permanent life insurance.

Whole Life Icon - two hands holding up a check-marked shield plaque

Whole Life Insurance

Best for Ages
0 – 80

Death Benefit Amount
$15,000 and up

Medical Exam Required

Guaranteed Cash Value
Guaranteed Premiums

Looking for consistent coverage with premium that doesn’t go up? Whole life may be right for you. Each Whole Life policy is designed with your individual needs in mind – you can even choose how to pay (Life Pay, Single Pay, 10-Year Pay).

Whole Life Insurance
Interest Sensitive Plan Icon - a hand holding a magnifying glass examining a graph line with data points

Interest Sensitive Plan

Best for Ages
0 – 75

Death Benefit Amount
$15,000 and up

Medical Exam Required

Interest-Sensitive Cash Value
Guaranteed Premiums

One of our most popular permanent plans, this plan offers a cash accumulation feature that earns interest and earnings can be used to pay the premium for you.

Interest Sensitive Plan
Flexible Universal Life Icon - generic person with arms outstreached wearing a large shield

Flexible Universal Life

Best for Ages
0 – 80

Death Benefit Amount
$25,000 and up

Medical Exam Required

Interest-Sensitive Cash Value
Variable Premiums

If you expect your life insurance needs to change, the flexible options of this plan may be ideal for you. You may change death benefits, vary your premiums, and in some cases, temporarily suspend premium payments.

Flexible Universal Life
Guaranteed Acceptance Life Icon - Two hands shaking below a check-marked shield plaque

Guaranteed Acceptance Life

Best for Ages
40 – 80

Death Benefit Amount
$25,000 and up

No Medical Exam Required

Limited Cash Value
Guaranteed Premiums

Designed to protect your family’s future by helping cover medical bills, credit card debt or funeral costs up to $25,000, this whole life policy is an affordable option for customers aged 40 to 80. The best part? You can’t be turned down for health reasons.

Guaranteed Acceptance Life
Final Expenses Icon - hand holding an umbrella over a headstone

Final Expenses Plan

Best for Ages
15 – 80

Death Benefit Amount
$5,000 – $15,000

No Medical Exam Required

Limited Cash Value
Guaranteed Premiums

Simple and straightforward, this plan requires no medical exam and is often used for final medical and burial costs.

Final Expenses Plan
First Step Life Icon - generic person climbing large book-like stairs

First Step Life™

Best for Ages
0 – 14

Death Benefit Amount
$15,000 and up

No Medical Exam Required

 
 

For children through 14 years old, this plan provides security for all their steps in life. This interest sensitive policy is available in coverage amounts from $15,000 and feature flexible payment options.

First Step Life™
Call to start your quote    

Call us at 1-800-964-2532 to start your permanent life insurance quote today.



Permanent Life FAQs

When you pay premium on a permanent life insurance policy, you can build cash value which can be borrowed and used for anything you wish. Many permanent life policies may also include accelerated death benefits that help pay for medical and other expenses if you become terminally ill. Another advantage is that your policy doesn’t have a term limit, like term plans do.

Typically with a permanent life policy, part of your premium builds cash value. Once there is enough value built up, you may use it to pay your premium, withdraw for cash (and your death benefit is reduced), or borrow money from the life insurance (and your death benefit is reduced if not repaid).

For most permanent life insurance policies, a medical exam is required; however, it depends on the plan and the applicant’s age. Your agent can help you determine what policy is best for you.

Instagram Icon Outlined camera design Facebook Icon Letter F inside a rounded square X Icon Twitter X icon inside a rounded square YouTube Icon Play icon inside a rounded square Snapchat Icon Ghost shape inside a rounded square