Whole Life Insurance | Western Fraternal Life

Whole Life

Whole Life Insurance offers you
life-long protection.

  • Leave a legacy with tax-free benefits to your beneficiaries.

  • Cover end-of-life and final expenses.

Plan ahead and give back. Watch the video to learn more.


Connect with a representative. Call 877-935-2467 or fill out the form below.


Life-long protection that accumulates dividends. Payment options include single premium, lifetime, 10-year, or 20 year. Policy includes many additional coverage options (riders), dividend options*, and a loan option.


Vision Whole Life insurance provides members with a combination of whole life and term life insurance for 10 or 20 years that will be paid up at the end of the term. Policy includes dividend options*, a loan option, and the term is convertible to whole life anytime within the original 10 or 20-year period.


Life Protector is Whole Life Insurance with guaranteed level life-time premiums and death benefits. Policy includes many additional coverage options (riders) and loan option.


Simplified Issue Whole Life offers acceptance based on answers to yes/no health questions. This is a guaranteed level death benefit and level premium policy. Payment options include lifetime, single premium, 10-year, or 20-year.


Graded Benefit Whole Life is whole life insurance where acceptance is based on answers to yes/no health questions. This is a guaranteed level death benefit and level premium policy. During the first two policy years, the benefit for death by non-accidental causes is a refund of premium paid plus 5% interest, thereafter, the full benefit will be paid. For death due to accidental causes at any time, the full death benefit will be paid.

Contact a Western Fraternal Life agent for the best Whole Life option for your needs.

All policies and benefits are subject to underwriting. Dividends are not guaranteed.

Life Insurance Calculator

Use this calculator to estimate how much life insurance coverage you need.



Member Benefits

Western offers exclusive discounts, scholarships, financial assistance, volunteer opportunities, and more.

Policy Extras

Learn about your payment options, dividends, loans, and additional coverage options (riders).



Your Policy

Use our member access for information about your policy, or call Member Services at 877-935-2467.

Contact an Agent

Search for an agent near you, or contact 877-935-2467.




Do You Need Life Insurance When You Retire?

Learn about retirement needs.

Call 877-935-2467 to speak with a Western Fraternal Life Representative.

Western Fraternal Life

1900 First Avenue NE, Cedar Rapids, Iowa 52402
Call us at 877-935-2467 or 319-363-2653
Open Monday-Thursday 7:45 a.m.-4:30 p.m., Friday 7:45 a.m.-1:15 p.m.

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