Permanent Life Insurance , Lifetime Coverage That Grows With You
Whole Life, Universal Life, and Indexed Universal Life , find the right fit.
Explore Permanent Life OptionsWhat Is Permanent Life?
Unlike term life, permanent life insurance covers you for your entire lifetime , not just a set number of years. It also builds cash value over time that you can borrow against or use for retirement income. It's more than insurance; it's a financial tool.
Carrier matters here too. Some carriers add living benefits and rewards on top of the death benefit, like the John Hancock Vitality program, which pays policyholders back for staying active. That is worth weighing alongside the premium itself.
Whole Life Insurance
Guaranteed premiums, guaranteed cash value growth, guaranteed death benefit. The foundation of a solid financial plan.
Universal Life
Flexible premiums with adjustable coverage. The cash value earns interest based on market rates.
Indexed Universal Life
Cash value growth tied to a stock market index (like the S&P 500) with downside protection. Great for those who want growth potential without direct market risk.
Who Needs It?
- •Those who want guaranteed coverage for life
- •High-income earners looking for tax-advantaged savings
- •Business owners funding buy-sell agreements
- •Anyone who wants to leave a legacy or cover final expenses
Protecting Your Business?
Key Person coverage, Buy-Sell agreements, and Loan Collateral insurance, from 30+ top carriers.
Explore Business Life Insurance