Whole Life

Vision Whole Life

Our Vision Whole Life provides a combination of permanent and term coverage while paying level premiums for only 10 or 20-years. This concept provides higher term coverage when you need it most, and once the 10 or 20-years are complete, you are left with a guaranteed paid-up whole life policy for the rest of your life.

With this plan you have the opportunity to look after your financial obligations today while covering your family in the future. All of this and low monthly premium payments for only 10 or 20-years.

Vision Whole Life is for those wanting:

  • the security of coverage with guaranteed cash values and guaranteed death benefits
  • to take advantage of the tax-deferred growth of cash values in order to build funds for retirement
  • guaranteed premiums that will not increase
  • coverage for their entire lifetime
  • to earn dividends* as declared by the company
  • to have their insurance paid off by a set time; for example, when they retire

Elements of Vision Whole Life

10 or 20-Pay Whole Life
Premium Payments are spread out over 10 or 20-years but the coverage continues for life.

Level Premium Term Ride
Guaranteed level premium payment for a 10 or 20-year term period, convertible to permanent insurance during original policy period (prior to age 70).

Combination Options
10-Pay Whole Life with 10-Year Term or 20-Pay Whole Life with 20-Year Term

10 or 20 Pay Whole Life Example:

    • 40-year-old male
    • Non-tobacco
    • $20,000 of 20-Pay Whole Life and $200,000 of 20-Year Term Rider
    • Monthly premium of $76.68
End of Year Net+ Surrender Value Death++ Benefit Proceeds
5 $1,206.14 $220,383
10 $3,624.15 $221,564
15 $6,832.98 $223,366
20 $10,976.23 $225,673
25 $14,029.95 $28,137

Additional Benefits

Accelerated Death Benefit:
Provides for the payment of an accelerated death benefit using a portion of the life insurance benefits. These benefits are paid to the owner while the insured is living, subject to qualification. This benefit is offered at no additional charge. See the rider profile for details. Limitations may apply.

Disability Waiver of Premium:
If you choose to purchase this additional benefit and you become totally disabled, we will waive your premium payments for as long as your disability continues, subject to policy provisions. The low cost of this benefit makes sure that your coverage will continue in the event of your disability

Rates are subject to underwriting.

+Includes guaranteed cash surrender value plus dividends* declared by the company.
++Dividends* are used to purchase additional paid up death benefit.
*Dividends are not guaranteed. Past dividend paying history is not an estimate of future results.

Contact an agent today. E-mail info@wflains.org or call (877) 935-2467.

Licensed in CA, CO, IL, IA, KS, LA, MI, MN, NE, ND, OH, OK, OR, SD, TX, WA, and WI