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Build cash value and Lifelong Protection
What is it?
Whole Life insurance builds tax-deferred cash value you can use for a family’s loss of income, mortgage costs, or educational needs. It offers level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force.
Who needs it?
You will need Whole Life insurance, if your family is at financial risk that goes beyond your life, and you suspect you will have estate tax liabilities that you may need to transfer estate tax risk. These are the two biggest reasons to buy Whole Life insurance.
How is it paid?
Whole Life policies can be paid with a single premium, premiums payable to age 100, or premiums payable up to a limited number of years. You can get a loan against your policy which will accrue interest. Any outstanding policy loans and interest will reduce the death benefit and cash value.
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|Features of Whole Life|
|• Simplified Underwriting|
|• Fast Approvals|
|• Level premiums to age 100|
|• Tax-deferred growth of cash value|
|• Death benefits generally pass on income tax-free to your beneficiaries|
|• Cash values can be accessed during the insured’s lifetime.|
|• Eligible to earn dividends, however, dividends are not guaranteed|
What else to look for?
If you or your family will have other needs, you might buy Universal life or one of the following products:
|• Term Life||• Long Term Care||• Accidental Death|
|• Disability||• Universal Life||• Final Expense|