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Permanent Life Insurance

Permanent life insurance provides protection for your whole life. It can serve as the foundation of a strong financial strategy and offer a sense of security for the future.

At the same time, you can use the growth opportunities and benefits during your lifetime, so you can live – and give – the way you'd like.

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Icons representing life changes

Protection for life's ups & downs

As you bounce from one life stage to another, worrying if your life insurance can keep up is the last thing you need. Permanent life insurance can help take some of that uncertainty away.

When Permanent Life Insurance Makes Sense

Types of permanent life insurance

Whole life insurance

Life is unpredictable; whole life insurance helps take the uncertainty out of life. With whole life insurance, there are no surprises. It's simply a sense of reassurance – for your whole life. 4

  • Guaranteed death benefit.3
  • Guaranteed cash value.3
  • Guaranteed level premiums.
  • Potential to earn dividends.4

Whole life plus term protection

When your need for life insurance protection is beyond temporary and you're looking for flexibility, consider a contract that offers a blend of permanent and term life insurance. It's designed to help meet your long-term insurance needs and fit your budget.

  • Offers a mix of term and permanent life insurance.
  • Builds a modest amount of cash value.1,3
  • May earn dividends, which could pay for term protection.4

Universal life insurance

Looking for life insurance protection that offers flexible premium payments and the potential to build cash value to use while you're living?1,3 If so, universal life insurance may be appropriate for you and your changing life.

How universal life insurance can help you

  • Pay more when you want and less when you must.7
  • Skip a premium payment if funds get tight.6
  • Potential to build cash value.1

Variable universal life insurance

Variable universal life insurance is similar to universal life insurance in that it combines flexibility with permanent life insurance. It also has the potential to build cash value by investing in your choice of several professionally managed portfolios.5

  • Flexible premium payments and permanent coverage.7
  • Investment choices to match your risk tolerance.5

Take your retirement IncomeMatch® assessment now

Build a confident retirement

Ensure you're on track for the retirement lifestyle you envision by taking the IncomeMatch® assessment – a simple, 10-question fact finder. Your personalized results can help give you a starting point to develop a tailored retirement income strategy.

Not sure if permanent is right for you?

Then maybe term life insurance is what you're looking for. It's generally the most affordable way to get the coverage you need for a set period of time.

Member's Voice

"We chose permanent life insurance because we can build the cash value. I also like the flexibility it offers."*