Whole Life Insurance Protection

Including Whole Life insurance in your long-term financial plan can be a dependable way to protect your family’s lifestyle while you strive to meet your financial goals. The death benefit offers security by providing money to help pay for funeral costs and take care of debts. This permanent insurance also builds cash value on a tax-deferred basis.

Whole Life Advantages

There are several advantages to Whole Life insurance

  • The confidence of permanent life insurance protection.
  • Premiums that never increase, regardless of age or health.
  • Certificate cash values grow tax-deferred until received.
  • A death benefit paid to beneficiaries income tax-free.
  • Certificates may be eligible for refundsRefunds are not guaranteed. Similar to dividends – each year

Dependable Insurance Protection

You can plan for some situations, but for many you can’t. To help ease the burden of expenses when the worst happens, choose Whole Life to help with the following:

  • Funeral costs
  • Unsettled debts like credit cards, car loans and medical expenses
  • Mortgage payments
  • College payments
  • Bills such as rent, utilities and groceries
  • Charitable donations

Tailored to You

Forever Young Insurance uses multiple carriers and we can tailor a policy to your needs and the needs of your loved ones.

Additional Options

For a fee, riders can be added to basic Whole Life certificates to enhance their value:

Accidental Death Benefit . All contractual provisions apply and may vary by state.– Provides extra life insurance coverage in case of your accidental death.

Waiver of Premium Rider. All contractual provisions apply and may vary by state. May not be available on all products.– Ensures premiums will continue to be paid if you become disabled within the contractual terms of this rider.

Applicant Waiver of Premium Rider. All contractual provisions apply and may vary by state.– When purchased for someone age 15 or younger, this rider ensures that premiums will continue to be paid on the youth’s life insurance certificate in case of your death or disability within the contractual terms of this rider.

Disability Waiver of Premium Rider . All contractual provisions apply and may vary by state. May not be available on all products.– Ensures premiums will continue to be paid if you become disabled within the contractual terms of this rider.

Guaranteed Insurability Rider. All contractual provisions apply and may vary by state.– Gives you the ability to purchase additional insurance coverage in the future at specific ages and when certain life events occur, such as marriage and the birth or adoption of a child. The additional insurance may be purchased without proof of insurability.

These riders can be available at no additional cost:

Accelerated Death Benefit Rider . All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs.

Chronic and Terminal Illness Accelerated Benefit Rider. All contractual provisions apply and may vary by state. Benefit payments may affect eligibility for public assistance programs. Certain eligibility requirements apply. This rider is not long term care insurance, nor is it intended to replace long term care insurance.