Superior Value Life® Whole Life Insurance
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. 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.
When you pass away, this coverage will provide an immediate, income tax-free death benefit to your beneficiary.
Benefits of Superior Value Life Whole Life Insurance
A Superior Value Life Whole Life Insurance policy comes with many perks:
Cash value that grows tax-deferred and can be accessed during your lifetime
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.
Figuring out how much life insurance to buy depends on your annual income and how long your family will need to rely on this income. You can quickly determine your coverage amount by answering three simple questions. For a more detailed analysis, try our advanced calculator, which takes into consideration your assets, debt, final expenses, childcare and education costs.
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.
Explore Additional Resources
Consider Superior Value
Learn about our level premium whole life insurance, and determine if it's the best choice for your needs.
Eighty-four percent of Americans would agree most people need life insurance, yet when asked, only 57% said they needed any. (Insurance Barometer Study, LIMRA & Life Happens, 2018. Insurance Barometer Study, LIMRA & Life Happens, 2019)
In the event of a tragedy, life insurance can help pay bills and meet ongoing living expenses, pay off debt, including credit cards and mortgage, finance future needs like education, protect a spouse, pay for funeral costs and leave a financial legacy. (LIFE Happens, 2019)
57% of American households have life insurance. (Insurance Barometer Study, LIMRA & Life Happens, 2019)
40% of families would immediately struggle to pay living expenses if the primary wage earner died. (Insurance Barometer Study, LIMRA & Life Happens, 2019)
43% of Americans have no insurance whatsoever. (Insurance Barometer Study, LIMRA & Life Happens, 2019)
Did you know? Over half the population thinks term life insurance is over three times more expensive that it is? (Insurance Barometer Study, LIMRA & Life Happens, 2019)
Of the people who already have a life insurance policy, 1 in 5 admit they don't carry quite enough. (Insurance Barometer Study, LIMRA & Life Happens, 2018)
44% of Millennials overestimate the cost at five times the actual amount. (Insurance Barometer Study, LIMRA & Life Happens, 2018)
3 reasons for not having life insurance are that it's too expensive, I don't have time to get the coverage and I don't know what kind of coverage I need or how much. (Life Happens, 2019)
We can help you insure the ones you love. Start now.
Western & Southern Life
Insurance | Retirement |Investments
The Western and Southern Life Insurance Company, Cincinnati, OH, operates in DC and all states except AK, ME, MA and NY. Western-Southern Life Assurance Company, Cincinnati, Ohio, operates in DC and all states except NY. Western & Southern Life is the marketing name for The Western and Southern Life Insurance Company. Each company is financially responsible for its own products and services.
Whole Life Insurance Policy series ICC16 1606-322, Accelerated Death Benefit Plus Rider ICC19 1903-621,1308-620, 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.
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.
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