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Whole Life Insurance

A form of permanent life insurance (don't forget, there are a few options), whole life insurance features guaranteed premiums, death benefits, and cash value. Whole life insurance policies can provide you with dividends [if selected], which can also increase the value of the policy when the insured is living or provide an increased death benefit for your beneficiaries. Whole life insurance could be a good option if you are looking for:

  • Protection for life
  • Payments that stay the same each year
  • To be able to put additional money into the policy on a tax-favored basis
  • Cash value you can use while you are living
  • Larger returns on your cash outlay into the policy

Whole life insurance offers the policy holder a feeling of security in that it provides:

Guaranteed Level Premiums
Regardless of your current age or health, your premiums will remain the same as the very first day you took on your policy!

Guaranteed Death Benefits
The beneficiaries of your policy will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time.

Guaranteed Cash Value
What's better than cash? The cash value of your policy is exactly what it sounds like; it is the value that your policy is worth. The cash value will grow each year, tax-deferred, until it matches the face value of your policy and in many cases depending upon the type of Whole Life Insurance policy chosen, can often well exceed that. When you need it most, you’ll have access to your cash through loan and withdrawal options.

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First Infinity Coverage Group, Inc. • Insurance and Financial Services
1400 Wantagh Avenue • Suite 101 • Wantagh, NY 11793
T 516.882.1226 • F 516.804.6445 • E

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