Whole life insurance provides lifelong coverage with guaranteed cash value growth and fixed premiums. It’s the foundation of permanent protection — designed for clients who value certainty, stability, and the ability to build wealth that endures through generations.
With guaranteed benefits and predictable performance, whole life insurance remains one of the most reliable tools for long-term financial and estate planning.
Get StartedEach premium payment contributes to both your death benefit and your policy’s guaranteed cash value. Over time, this cash value grows tax-deferred and can be accessed for opportunities such as funding education, business ventures, or supplementing retirement income.
Many carriers also pay dividends to participating policyholders. While not guaranteed, dividends can increase cash value, reduce premiums, or enhance coverage.
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Whole life is designed for those who value permanence and predictability. Unlike Term Life Insurance, it never expires. And unlike Universal Life Insurance, it emphasizes guarantees over flexibility.
Many clients use whole life as the anchor of their financial plan — combining it with term or universal policies to balance affordability, flexibility, and long-term value.
Your cash value grows every year on a guaranteed schedule. Once credited, growth cannot be lost due to market conditions.
Over time, policyholders can use cash value through tax-advantaged loans or withdrawals — maintaining coverage while accessing liquidity when needed.
At Living Equity Group, we specialize in designing whole life strategies tailored to each client’s unique goals. Whether you’re preserving wealth, funding a trust, or protecting a business, we model carrier options to balance performance, guarantees, and tax advantages.
Our team works closely with brokers, advisors, and clients to build policies that support long-term success and multigenerational stability.
Learn more about our case design processWhole life insurance provides the foundation for lifelong protection and lasting value. Let us help you design a strategy that strengthens your financial legacy.
Speak with a Living Equity Group Specialist
