Permanent life insurance provides lifelong protection while building cash value you can access along the way. It’s a powerful tool for clients and advisors who need to balance protection, liquidity, and wealth transfer within one strategic plan.
Whether your priority is guaranteed stability, flexible funding, tax-deferred accumulation, or market participation, permanent life insurance offers customizable solutions that grow with your financial goals.
Unlike term life insurance, which expires after a set period, permanent life insurance lasts for the insured’s lifetime — provided premiums are paid and the policy remains in force. These policies can build cash value that grows tax-deferred, providing flexibility and liquidity over time.
Protection that lasts your entire life, not just a set number of years.
Build tax-deferred cash value that can be accessed through loans or withdrawals.
Choose from multiple policy types designed to align with different goals — from guaranteed certainty to flexible accumulation.
Each type of permanent life insurance serves a different purpose. The right fit depends on your goals, cash flow, and appetite for guarantees versus flexibility.
Lifelong coverage with guaranteed cash value and the potential for dividends. Ideal for long-term wealth building and estate planning.
Learn more about Whole Life Insurance.
Flexible premiums and adjustable benefits. Build cash value while maintaining permanent protection.
Learn more about Universal Life Insurance.
Credits interest based on external indexes (like the S&P 500) with downside protection through a floor and upside potential through caps or participation rates.
Learn more about Indexed Universal Life Insurance.
Lifetime coverage with guaranteed death benefit certainty. Focuses on predictable protection rather than accumulation.
Market-based growth potential through separate accounts. Provides flexibility and investment control for clients who understand risk.
Coverage that never expires as long as premiums are paid.
Create liquidity for taxes, inheritances, and generational wealth transfers.
Withdraw or borrow against your policy to support retirement, business, or family goals.
Cash value growth is tax-deferred, and death benefits are generally income tax-free to beneficiaries.
Adjust your policy’s structure to balance guarantees, risk, and growth potential.
At Living Equity Group, we specialize in sophisticated life insurance strategies that go beyond traditional coverage. Our advanced case design team models multiple carriers, policy types, and crediting methods to align each design with your protection, liquidity, and legacy goals.
Permanent life insurance is more than protection — it’s a financial asset that evolves with you. Let’s design a strategy that supports your long-term goals and helps secure your legacy.
Speak with a Living Equity Group Specialist
