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Permanent Life Insurance

If you have a long term need for life insurance, Alfa® offers permanent insurance coverage designed to cover you for your entire life. As long as you make the premium payments, the coverage will be there when you die. 

Your permanent policy can build substantial cash value. This cash value can be borrowed and used for anything you wish. Many permanent life policies also include accelerated death benefits that help by providing advanced funds if the insured is diagnosed with a terminal illness. Permanent life plans include:

First Step Life™ Insurance

Available for children through 14 years of age, Alfa’s First Step Life plan provides security for all their steps in life. These permanent, interest sensitive policies are available in coverage amounts from $15,000 and feature flexible payment options. And for pennies more, you could add a Guaranteed Purchase Option or Premium Insurance rider to your policy. Ask your local agent today how the Alfa First Step Life plan is right for your family.

Interest Sensitive Plan

One of Alfa's most popular permanent life plans, Interest Sensitive Life offers a cash accumulation feature that earns interest according to our declared current rates. As the cash accumulation value grows, excess interest earnings can be used to pay premiums for you. So it’s the best of both worlds for you - current yields, traditional guarantees and the simplicity and protection of a whole life policy. This policy is issued for ages 0-75.

Final Expense Plan

The Final Expense Plan is an affordable policy often used for final medical expenses or burial costs. With a simplified underwriting process, this policy has no medical exam requirements. This policy is issued for ages 15-80.

Guaranteed Acceptance Life

This whole life policy is an affordable option for customers 40 to 80 years old. It’s designed to protect your family’s future by helping cover medical bills, credit card debt or funeral costs up to $25,000. Best of all, you can’t be turned down for health reasons. *The Alfa Guaranteed Acceptance Life Insurance policy provides a return of premium plus 10 percent interest if death is not accidental during the first two policy years. This policy is not a funeral or burial contract. The policy does not guarantee that its proceeds will be sufficient to pay for any particular services or merchandise at time of need nor that services or merchandise shall be provided by any particular provider.

Flexible Universal Life Insurance

Seeking flexibility in your life insurance coverage and premium payments? Then Alfa’s Flexible Universal Life insurance plan may be the right one for you. This permanent insurance plan offers a cash accumulation feature that earns interest according to our declared current rates.

Whole Life Insurance

If you’re in the market for insurance coverage that continues throughout your lifetime with premiums that don’t go up and coverage that doesn’t come down, Whole Life insurance could be an ideal fit for you!* Alfa’s new Single Pay, Ten Pay and Life Pay Whole Life policies offer protection for individuals up to age 80 with coverage amounts that start at $15,000. Each of these whole life policy options features the ability to accumulate cash value. Best of all, they’re designed with your individual needs in mind — meaning you choose how you’d like to pay. Single Pay offers the flexibility of lifetime coverage with one premium, while Ten Pay allows you to pay for your policy within 10 years on a frequency that fits your schedule. If it’s better for your budget to pay smaller amounts over the course of your lifetime on monthly, quarterly, semi-annual or annual terms, Life Pay may be the best option for you. Ask an agent today how Alfa’s whole life options fit your life insurance needs — and your budget.

*Coverage is guaranteed provided you make the premium payments as specified in the terms of your policy. If policyholder dies with outstanding loans on policy, the benefit payout will be reduced.

This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.

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