Why Whole Life Insurance?

Whole life insurance can be an excellent foundation for a strong financial plan because of its many advantages, including simplicity, predictability and guarantees.

Though today’s financial marketplace can be precarious and change quickly, whole life insurance has remained a stable part of a financial plan that can combine three guarantees – death benefit, fixed premiums, and cash value – into one powerful and effective asset.

Guaranteed Premium

Protecting your risk – Your premium rate will not increase during the life of your contract regardless of changes in your health or age.

Guaranteed Cash Value

Generate cash value accumulation – Cash value is contractually guaranteed to grow in your policy until age 95 or 121, depending on policy purchased.

Guaranteed Death Benefit

Provide for your family after you’re gone. Don’t wonder what would happen to your loved ones; know they are protected with a guaranteed death benefit.

Advantages of Whole Life Insurance

  • Death benefit guaranteed for the life of the policy
  • Premiums guaranteed for the life of the policy
  • Guaranteed cash value growth
  • Potential for dividend payments, with higher dividend potential for select plans1
  • Flexibility with policy loans through cash value accumulation as shown in the policy
  • Living Benefits available at no additional premium2
  • A stable financial asset on a balance sheet
  • Income tax-free death benefit3

Solutions Built to Meet Your Needs

Path Protector Plus® Whole Life offers five different plans and a variety of riders so it can be strategically utilized for multiple protection needs based on your life stage, financial situation and planning objectives. Take a look at the following examples – some of which might sound familiar.

Which scenario do you identify with?

young parents with 2 children

Continuous Pay – WL Series 100

Designed for those looking for simple, affordable, and guaranteed whole life coverage.

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mature woman smiling at the camera

Continuous Pay – WL Series 200

Designed for those who want more from their coverage, but may have budget constraints that won’t allow a limited pay option.

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mature couple, husband kissing wife on the forehead

Limited Pay – WL Series 100

Designed for those who value a budget-friendly limited pay plan with the guarantees and dividend potential found in a participating whole life policy.

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young couple smiling at each other

Limited Pay – WL Series 200

Designed for those seeking high early cash values and policy growth to supplement their savings with a tax advantaged vehicle.

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grandmother holding and smiling at her grandchild

Single Pay Whole Life (SPWL)

Designed for those with lump sums that are not earmarked for other purposes.

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