Permanent life insurance provides protection for your entire life while offering the ability to potentially accumulate and access cash value.1
The type of permanent life insurance you choose should partially be based on how much flexibility you want. A financial professional can help you choose the type of product that works for you - fixed or flexible.
Whole life insurance provides guaranteed death benefit protection for your entire life while offering a fixed rate for cash value growth. You pay fixed premiums that will not increase. It’s a great way to protect your family while accumulating lower-risk, predictable cash value growth.
Learn about whole life insurance
Universal life insurance also provides death benefit protection – but as your needs change, you have the flexibility to make changes to your policy. You have the ability to modify both your amount of coverage and your amount of premiums.3
Our insurance products can be purchased through a financial professional or may be offered through your employer, financial institution or association.
To see how much insurance you may need, use our easy-to-follow calculator.
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1 If owner/insured are different, the death benefit will be paid upon death of the insured.
2 Withdrawals may be subject to taxation within the first fifteen years of the contract. You should consult your tax advisor when considering taking a policy loan or withdrawal.
3 Additional underwriting may be required to increase insurance coverage. Depending upon actual policy experience, the owner may need to increase premium payments to keep the policy from lapsing.
Insurance policy guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company.
Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and these policies may contain restrictions, such as surrender periods. Policyholders could lose money in these products.
Please keep in mind the primary reason to purchase a life insurance product is the death benefit.
You should consult your tax advisor regarding your own tax situation.
DOFU 3-2025
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