Whole life insurance provides permanent death-benefit protection with a savings component that builds cash value and pays dividends.

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You can access your cash value through policy loans to help cover unexpected expenses, pay college costs or use as a retirement income supplement. 

As long as the policy owner continues to pay the premiums, there will be guaranteed death benefit, level premiums and cash value accumulation. These policies are designed and priced for an individual to keep over a long period of time.