Whole life insurance
Whole life insurance offers permanent protection and builds cash value at a set rate. And as long as you pay required premiums on time, your benefits are guaranteed. For more information on life insurance options, call us at 1-844-733-5433.
Benefits of whole life insurance

Limitations of whole life insurance:
- Whole life can be more expensive than other types of life insurance policies.
- The amount of your premiums and the face value of your whole life policy are not adjustable should your financial needs change.
- Depending on your situation, you may not need this level of coverage for your entire life and could overspend for coverage you don’t need.
- Whole life may not be a good choice if you will need access to money in the short term. Often, whole life policies come with a surrender charge period, during which you would pay a penalty if you surrender your policy.
- Your policy may need to reach a minimum value before loans are allowed.
Is whole life insurance right for you?
There are a few simple questions that can help you determine if a whole life insurance policy will meet your needs:
- Do you want a life insurance policy that will last a lifetime?**
- Do you feel the potential for earning cash value over time is worth the additional premium?
- Do you have a family history of health concerns that might make it difficult for you or a loved one to secure affordable coverage later in life?
- Do you think cash value could be a future benefit for liquidity, retirement, or estate planning?
- Do you need money to cover funeral expenses or to offset the cost of inheritance or estate taxes?
If you answered yes to any of these questions, then a whole life insurance policy may meet your needs for locking in permanent coverage and benefits for the future.

**Policy premiums must be made in order for policy to remain
active.
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Find a solution to meet your needs
We recognize that everyone has different financial needs. At Protective we offer a variety of life insurance policies from which to choose. For more information on your options, give us a call at 1-844-733-5433 and speak with a Protective Life Agent.
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