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Whole Life Insurance Pros and Cons
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Get industry-leading coverage that lasts your entire life and enjoy benefits that you can use along the way to do more of the things you love—with those you love.
Get insuranceThis type of permanent life insurance gives you lifelong protection1 and has features you can use along the way. As you make payments, your policy will build cash value. It's guaranteed to grow (typically tax deferred) regardless of market ups and downs, and you can use the cash value to pay for whatever you want or need. You can also earn dividends2 that can be taken as cash, used to pay premiums, or buy more coverage.
Best life insurance company for consumer experience3
Best life insurance company for consumer experience3
Along with feeling confident knowing that your loved ones will receive a guaranteed death benefit1 when you're no longer here, you'll have coverage that lasts your entire life.
How much you'll pay will depend on things like your coverage amount, age, and health. Once your premiums are set, what you pay each month (or yearly) is what you'll always pay.4
Your policy builds a pool of money over time5 that you can use throughout your life for whatever you need like an unexpected expense, college tuition, or as extra retirement income.
Many factors can affect the cost of a policy. That's why we value working with you to fully understand your situation and needs. What you pay monthly (or yearly) will depend on things like:
Benefits | Whole | Term |
---|---|---|
Guaranteed payout to loved ones1 | ||
Lifelong protection1 | ||
Builds cash value5 | ||
Chance to receive dividends2 | ||
Premiums that never increase4 | ||
Optional riders available |
No. 1 most admired companies
Fortune® named us one of the World's Most Admired Life Insurance Companies, 20236
$7.3B in dividends expected to be paid in 2024
in dividends expected to be paid in 20242
A++ financial strength rating
AAA, Aaa, and AA+—we've earned the highest financial strength ratings awarded to life insurers from all four major rating agencies.7
Our advisors will help you figure out the right amount of whole life insurance for your goals and budget.
It's easy to get started—no commitment, just a conversation