Living Promise Whole Life
Simple. Guaranteed. For the Ones You Leave Behind.
Whole life insurance designed to cover final expenses — funeral costs, medical bills, outstanding debt. no medical exam*. Premiums That Do Not Increase With Age*. Benefits that never decrease. From $2,000 to $50,000 of coverage that's there when your family needs it most.
▸ Enter the Acceptance Portal| Level Benefit | Graded Benefit | |
|---|---|---|
| Issue Ages | 45–85 | 45–80 |
| Face Amounts | $2,000 – $50,000 | $2,000 – $20,000 |
| Premiums | Fixed for life | Fixed for life |
| Full Death Benefit | From day one | After 2 years (accidental: immediate) |
| Cash Value | Builds over time | Builds over time |
| Medical Exam | No — health questions only | No — health questions only |
Premiums Do Not Increase With Age*
What you pay on day one is what you pay forever. Fixed, predictable, and affordable. No surprises as you age.
Benefits Never Decrease
Your $10,000 policy stays $10,000. Your $25,000 policy stays $25,000. The benefit your family receives won't shrink over time.
Cannot Be Canceled As Long As Premiums Are Paid*
As long as premiums are paid, the policy stays in force. Not for health changes, not for age, not for any reason.
Builds Cash Value
Your policy accumulates cash value over time that you can borrow against. Another layer of financial flexibility.
Terminal Illness or Nursing Home Included
One-time election to receive an accelerated death benefit if diagnosed with a terminal illness (12 months or less to live) or confined to a nursing home for 90+ consecutive days with expected permanent confinement. Use the funds however you choose.
Accidental Death Benefit Optional
For an additional premium, this rider provides an extra death benefit equal to the policy's face amount if death results from accidental injury. Doubles the payout for accident-related deaths.
The average cost of funeral expenses in the US is around $7,500 (NFDA 2022). A Living Promise policy ensures that cost — and more — is covered so your family isn't left paying out of pocket.
No obligation. No spam. Just a conversation about what fits.