Individual Whole Life Insurance
A whole life policy can help your family cover your final expenses, including funeral costs, with a lump sum cash payment. Available for around $28/month.1
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Whole Life Insurance Product Details
You can’t predict the future. So it’s good to plan ahead. Our Whole Life insurance policy will help provide benefits for your family after you’re gone—when they need it the most. How can a Whole Life Insurance policy help you?
Helps to provide your family the support they need to pay for your final expenses, including:
Funeral or cremation expenses
Protection for your family’s nest egg
Contribution to your grandchild’s education
Donation to charities of your choice
Pay down outstanding mortgages or other loan balances
You select a base policy with a maximum death benefit amount of $2,000 to $25,000.2
Policy accumulates a cash value, starting in the third year, that can be accessed by either a policy loan or cash surrender.
For an additional premium, you can choose to add an Accidental Death Benefit to Age 100 Rider. Availability may vary by state.
Guaranteed premiums - your premiums will not increase.3
Both you and your spouse may apply for policies to qualify for a 5% spousal premium discount.4
Can be tailored to your needs and budget.
Available for ages 50-85 and can include coverage for you and your spouse.
Two Whole Life Insurance benefit plans to fit your needs
Level Benefit Plan
Pays the full death benefit amount chosen5 to your beneficiary upon your death. Our Terminal Illness Accelerated Benefit Rider is automatically included in this plan, at no additional charge, so that if you are diagnosed with a terminal illness, you can have additional funds to help with medical expenses or financial needs.
Modified Benefit Plan
For those who do not qualify for coverage under the Level Benefit Plan, this Modified Benefit Plan has adjusted levels of coverage for the first two years of the life of the policy.
Compare the coverage for both benefit plans:
| Loss of life from... | Level Benefit Plan Death Benefit Amount | Modified Benefit Plan Death Benefit Amount |
|---|---|---|
| Non-accidental death within first two years of coverage | 100% of benefit amount | 110% of premium paid |
| Non-accidental death after being covered for two or more years | 100% of benefit amount | 100% of benefit amount |
| Accidental death while covered | 100% of benefit amount | 100% of benefit amount |
Barbara's story
Barbara remembered how difficult it was to arrange her mother’s funeral. She spent so much time worrying about the final costs when all she wanted to do was be with her family.
Barbara knew she didn’t want her own children to face the same situation. For less than $1 per day1, her Individual Whole Life policy put her mind at ease knowing that there would be benefits to help her family when they need it the most.
(This is an example used for illustrative purposes only.)
State Specific Details
Learn more about the benefits included in the Individual Whole Life Insurance policy by selecting the state where you live:
Often bought together
Continue shopping for additional coverage
State Policy Disclosures, Exclusions, Limitations, and Reductions
1Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change. Unisex applies to Montana only.3
2Benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy and/or rider.
3Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance.
4Only available if both individuals apply at the same time. Discount is applied to the policy of the youngest spouse.
5Subject to all the terms and conditions of the policy and/or rider.
The Lump Sum Heart Attack and Stroke policy is not available in ID, NM, NY or VA.
The Lump Sum Cancer policy is not available in ID, NM, NY or VA.
The Cancer Treatment policy is not available in ID, MA, MN, NH, NJ, NM, NY, UT or WY.
The Hospital Indemnity policy is not available in MA, MT, NJ, NM or NY.
The Whole Life policy is not available in FL or NY.