Where it can fit.
- Permanent protection
- Predictable premium structure
- Legacy, estate, and business planning needs
Product 02 · One Standard Life
Whole Life
Lifetime protection with scheduled premiums and guaranteed cash-value structure.
Run the educational calculatorTHE PLAIN-LANGUAGE VERSION
What it is.
Whole life is permanent life insurance with a guaranteed death benefit, scheduled premiums, and guaranteed cash value when required premiums are paid. Participating policies may pay dividends, but dividends are not guaranteed.
The tradeoffs.
- Higher initial premium than comparable term coverage
- Less premium flexibility than universal life
- Surrendering early may produce limited value
The next honest step
Model the structure. Then qualify the client.
The planning tool will not choose a carrier or promise a rate. It will help you see which inputs move the decision before you submit health and financial information for a current comparison.
Open the Whole Life tool