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Superior Value Life® Whole Life Insurance

Boost your financial freedom with this permanent protection that can help give you peace of mind and lets you pay premiums over 20 years or until you turn 100.

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Why Choose Superior Value Life?

You've worked hard to provide a good life for your loved ones. Our Superior Value Life Whole Life Insurance may let you enjoy peace of mind knowing your family has the protection provided by whole life insurance.

This policy provides guaranteed, permanent protection for your loved ones with premium payments that will stay the same as long as coverage remains in force. When you pass away, this coverage will provide an immediate death benefit to your beneficiary that is generally tax-free. This coverage builds cash value that is available to you while you are living should you need it for an emergency expense, toward your child's college, as a down payment on a home or something else.

Benefits of Superior Value Life Whole Life Insurance

A Superior Value Life Whole Life Insurance policy comes with many perks: 

  • Guaranteed, fixed premiums, so you don't have to worry about your policy payments increasing

  • Choose between two options: pay premiums for 20 years or spread premiums out until you turn 100
  • Customize your coverage with a variety of optional riders, or additional benefits, available at an additional cost
  • Accelerated death benefit rider is automatically included with your policy, and provides a limited, accelerated death benefit during your lifetime for terminal illness, chronic illness and a specified medical condition.
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Could This Whole Life Policy Be Right for You?

Superior Value Life may be a financial solution for a variety of needs. For example:

  • You are the primary wage-earner in your household, and you want to be sure your spouse can continue to pay the mortgage and keep your family home, should you pass away unexpectedly.
  • Upon your passing, you want your loved ones to have access to an immediate death benefit that is generally free of income taxes and outside probate.
  • You want the flexibility of life insurance combined with access to cash value available to use during your lifetime.1
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Details About This Level Premium Whole Life Insurance

Superior Value Life includes two products to choose from:

  • Superior Value Life 20: premiums payable for 20 years
  • Superior Value Life 100: premiums payable to age 100

You can customize your insurance policy by selecting from a variety of supplemental riders, or coverage add-ons, when you sign up. Living benefits let you access, under certain conditions, some of your policy's death benefit while you are still living. These funds can help improve your quality of life if you become terminally, chronically ill or suffer from a specified medical condition as defined by your policy.

Other supplemental riders available at an additional cost include Accidental Death Benefit, Children's Term Life, and Waiver of Premium riders.

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Consider Superior Value

Learn about our level premium whole life insurance, and determine if it's the best choice for your needs.


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1 Loans will accrue interest. Loans and withdrawals may generate an income tax liability, reduce the account value and the death benefit, and may cause the policy to lapse. Assumes policy is not a modified endowment contract, withdrawals do not exceed basis, and policy does not lapse. Cash values may take years to accumulate, unless a large premium is paid up front.

Whole Life Insurance Policy Series ICC21 2102-322 issued by The Western and Southern Life Insurance Company. Accelerated Death Benefit Plus rider series ICC19 1903-621 and Accelerated Death Benefit rider series 1308-620, Accidental Death Benefit Rider 9401-540, Children’s Term Life Insurance Rider 1103-675, Owner Waiver of Premium Rider ICC19 1903-700, Waiver of Premium Rider ICC19 1903-581 issued by The Western and Southern Life Insurance Company, Cincinnati, Ohio, which operates in DC and all states except AK, ME, MA, and NY.

The ADBR rider is generally automatically included on a life insurance policy at no additional premium subject to underwriting and state availability. The cost of the rider is built into the life insurance premium, though if exercised, the lien created incurs interest unless repaid. The rider allows an advance to be paid against a portion of the death benefit in the form of a lien or loan against the policy provided the insured is diagnosed with a qualifying chronic or terminal illness. Rider terms vary by type of life insurance and state. The type of illness determines the maximum advance amount available. There are no restrictions on how the money from the ADBR can be used after payment. The ADBR is added at no additional premium (although a fee of up to $250 may be charged for an advance payment). Receipt of accelerated benefit payments may adversely affect the recipient's eligibility for Medicaid or other government benefits or entitlements. They may also be considered taxable by the Internal Revenue Service. You should contact your personal tax advisor for assistance.

These policies and benefits may not be available in all states, and benefits may vary by state.

Payment of benefits under the life insurance policy is the obligation of, and is guaranteed by, the issuing company. Guarantees are based on the claims-paying ability of the issuer. Products are backed by the full financial strength of the issuing company.

Life insurance policies contain certain exclusions, limitations, reductions of benefits and terms for keeping them in force. Please contact a financial representative for complete details.

Life insurance products are not bank products, are not a deposit, are not insured by the FDIC, nor any other federal entity, have no bank guarantee, and may lose value.