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Whole life insurance

Reliable coverage with growth potential

Whole life insurance provides guaranteed protection for your entire life and fixed cash value growth, making it less risky than other forms of permanent protection.1

You pay the same premium amount for the duration of a whole life insurance policy, so you always know what to expect.

Whole life insurance benefits

  • Lifetime protection for your loved ones
  • Fixed interest rate for cash value growth
  • Predictable, stable premium amounts

Whole life insurance considerations

  • You must continue to pay the premiums to keep the policy in force
  • Can be more expensive than term life insurance

  • Limited cash value growth

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How do I purchase life insurance?

Our insurance products can be purchased through a financial professional or may be offered through your employer, financial institution or association.

To see how much insurance you may need, use our easy-to-follow calculator. 

Start calculating

Why do I need life insurance?

Life insurance isn’t as complicated or expensive as people think. Here are five excellent reasons to buy life insurance now and stop procrastinating.

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  1. If owner/insured are different, the death benefit will be paid upon death of the insured.

Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.

Life insurance products contain charges, such as Cost of Insurance Charge, Cash Extra Charge, and Additional Agreements Charge (which we refer to as mortality charges), and Premium Charge, Monthly Policy Charge, Policy Issue Charge, Transaction Charge, Index Segment Charge, and Surrender Charge (which we refer to as expense charges). These charges may increase over time, and these policies may contain restrictions, such as surrender periods. Policyholders could lose money in these products.

Policy loans may create an adverse tax result in the event of a lapse or policy surrender, and will reduce both the surrender value and death benefit. You should consult your tax advisor when considering taking a policy loan. 

Guarantees are based on the claims-paying ability of the issuing insurance company. 

DOFU 3-2025

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