Whole Life Insurance

How it Works

Whole Life insurance acts as a permanent life insurance and helps your family prepare for the unexpected. The death benefit can help replace a family's loss of income, help with mortgage costs, or educational needs — or to leave a legacy for the next generation. Over time, Whole Life policies build cash value that grows tax-deferred, and can be accessed during your lifetime.

Whole Life insurance policies from Surety Insurance Company offers level premiums and life insurance protection for as long as you live, provided that premiums are paid on time. We offer Whole Life policies that can be paid with a single premium, premiums payable to 100, or premiums payable up to a limited number of years. Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.

Whole Life Insurance Policies

Whole Life insurance policies from Surety offer premiums that don't inflate over time and a variety of benefits such as proceeds that can contribute to:

  • Family expenses
  • College savings
  • Home mortgages
  • Business expenses

Get a quote to see personal pricing.

Need help choosing a term insurance policy? Compare policies.

Limited Pay Life

A lifetime of benefits without a lifetime of premiums.

  • Premium payments limited to 10, 15, or 20 years.
  • Tax-deferred growth of cash value
  • Death benefits generally pass on income tax-free to your beneficiaries.
  • Cash values can be accessed during the insured's lifetime.
  • Eligible to earn dividends; however, dividends are not guaranteed.

Get a quote to see personal pricing.

Need help choosing a term insurance policy? Compare policies.

Single Premium Life

One premium payment, a lifetime of benefits.

  • Single premium payment.
  • Tax-deferred growth of cash value.
  • Death benefits generally pass on income tax-free to your beneficiaries.
  • Eligible to earn dividends; however, dividends are not guaranteed.

Get a quote to see personal pricing.

Need help choosing a term insurance policy? Compare policies.

Final Expense Life

Designed to ease the financial burden of burial expenses.

  • Fixed death benefit of $10,000.
  • Premiums are guaranteed level up to age 100.
  • Tax-deferred growth of cash value.
  • Eligible to earn dividends; however, dividends are not guaranteed.

Get a quote to see personal pricing.

Need help choosing a term insurance policy? Compare policies.