What Is Whole Life Insurance?
Features
- guaranteed* level death benefit, so
long as premiums are paid
-
fixed, level premiums
-
guaranteed* cash values
-
may have policy dividends
-
best suited to satisfy the longer-term
-
needs of policyowners who desire
guarantees*
Advantages
- Guaranteed* lifetime insurance protection, so long as the policy is kept in force.
-
Fixed premiums can help create the “savings habit.”
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Cash values are guaranteed*, so long as the policy is kept in force.
-
May have policy dividends that can be used to reduce premiums or increase cash
values and death benefits.
Disadvantages
- No premium flexibility.
-
Guaranteed* cash value growth may be less than could be achieved through one
of the other types of cash value life insurance.
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Death benefit may not keep pace with inflation.
Apply online for whole life insurance now.
VSA 2A2.05
ed. 01-08
VSA, LP The information, general principles and conclusions presented in this report are subject to local,
state and federal laws and regulations, court cases and any revisions of same. While every care has been
taken in the preparation of this report, neither VSA, L.P. nor The National Underwriter Company is engaged in
providing legal, accounting, financial or other professional services. This report should not be used as a
substitute for the professional advice of an attorney, accountant, or other qualified professional.
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