Participating Whole Life Insurance provides lifelong protection while building guaranteed cash value over time. Protect your family, grow tax-free wealth, and access living benefits when you need them.
Participating Whole Life Insurance is a robust policy that provides financial protection for your loved ones while building cash value over time. This type of insurance allows you to participate in the insurer's profits through dividends, which can be used to enhance your policy's value, reduce premiums, or even provide additional coverage.
With guaranteed premiums and a guaranteed death benefit, Participating Whole Life Insurance offers both security and growth potential — ensuring benefits not only for your beneficiaries but also potential living benefits for you based on your financial goals.
Life insurance for the living: protect your financial assets, be your own bank, pay off debts faster.
Your coverage never expires as long as premiums are paid. Your family is protected for your entire life.
Build guaranteed cash value that grows tax-free over time. Access it for retirement, emergencies, or opportunities.
As a policyholder, you participate in the insurer's profits through annual dividends that can reduce premiums or grow your policy.
Policy loans against your cash value allow you to finance major expenses without banks, credit checks, or interest penalties.
Borrow against your cash value at favorable rates with no credit check. Use the funds for anything — retirement, college, or opportunities.
Use dividends to purchase additional paid-up coverage, accelerating your cash value growth and death benefit.
Once sufficient cash value accumulates, dividends can cover your premiums entirely — making your policy self-sustaining.
We'll show you how whole life can be the foundation of a tax-efficient financial strategy while protecting your family.
"Austin did all the shopping around for me to find the best benefits at the right price for my budget. I couldn't be happier."
"The peace of mind in knowing my family will be taken care of if anything happens to me is worth its weight in gold."
"I'm so thankful to know that if I'm injured and can't work my mortgage will still be taken care off. Such a relief."
Life insurance is a way of transferring financial risk from you to someone else — in this case the life insurance company. Just like you insure your car, house and belongings, why wouldn't you also insure your most valuable asset? Your life and ability to earn an income.
The wealthy have done this for years. A single financial incident can change the course of your life. Did you know medical bills are the #1 cause of bankruptcy in the US? Why leave your financial future and that of your family to chance.
Work with a nationally accredited and state licensed life insurance broker who is a fiduciary. This means they have a legal obligation to work for you and provide you with options for the best policy and benefits for your personal situation.
It depends on the insurance carrier and type of policy you choose. Your licensed insurance advisor can provide you options that include instant guaranteed issue policies if that is what you would prefer.
Every individual policy is different based on your unique situation and the benefits you choose. Your licensed advisor will provide the best options for you, your family and your budget to choose from.
Your time is your most valuable resource. Our software combined with experienced agents searches top insurance carriers to find the best coverage for you at the right price for your budget. No medical exam, instant coverage policies are available. This is one of the most important phone calls of your life.