For the life you build.
And what lives on.
Explore permanent protection, predictable premiums, and cash value—with a clear view of the commitment.
See the bigger pictureProtection with
a lasting purpose.
Whole life combines a death benefit with cash value. Required payments and contract conditions keep the protection in force.
Consider the need first: support for a lifelong dependent, final expenses, or money you hope to leave behind.
Values develop according to the policy schedule. Ask for guaranteed figures.
Concept only. No dollar amounts, rates, or returns are projected.Time is part
of the design.
Guaranteed values follow the contract. Participating policies may also pay dividends, but dividends are not guaranteed.
Ask to see guaranteed and non-guaranteed values separately, along with what you would receive if you surrendered early.
One benefit.
A meaningful difference.
For a covered claim, beneficiaries generally receive the death benefit—not the death benefit plus a separate cash-value balance.
Outstanding policy loans and interest can reduce the payout. The contract and any riders determine what is payable.
What changes
when you use the policy?
Explore each path before making a decision.
- Coverage
- Continues under the contract
- Money available now
- Value remains in the policy
- For beneficiaries
- Death benefit remains, subject to terms
Keep protection in place.
Maintain required premiums and review the policy regularly. Cash value is not a separate bank account.
What premiums and conditions keep my guarantees in force?
Options and tax treatment depend on your policy and circumstances. Texas Department of Insurance: cash value and surrender
Think beyond
the first payment.
Whole life typically costs more initially than term for comparable coverage. Compare the long-term premium commitment with your other priorities.
Choose an amount you can maintain. Review rider charges, early surrender values, and insurer financial strength.
A chapter, or
a longer horizon?
A longer horizon.
Designed to stay with you for life, with cash value and required premiums under the contract.
Explore the differences. This selection is not a recommendation.Required premiums and policy conditions apply. Cash-value access can affect benefits; review charges and guarantees. NAIC coverage guide
Know what
you are keeping.
Bring these questions to a conversation about your options.