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Simple Whole Life Insurance

Simple Whole Life offers guaranteed level premiums for the life of the policy while building a guaranteed cash value.

Is Simple Whole Life insurance right for you?

Our Simple Whole Life insurance makes getting permanent life insurance easy. This product allows you to pay fixed premiums to lock-in a lifetime of coverage.

Simple Whole Life Insurance might be right for people looking to:

  • Help cover cost of final expenses, fund family obligations, and pay other debts
  • Fill in gaps left by other life insurance - supplement existing Term life insurance or coverage at work
  • Purchase coverage for your children or grandchildren
  • Leave an inheritance to your loved ones or a charitable gift to an organization of your choice

How does our Simple Whole Life insurance work?

Simple Whole Life insurance offers guaranteed level premiums for the life of the policy while building a guaranteed cash value. It is designed to offer you permanent life insurance protection without the inconvenience of taking a medical exam.1

By completing a short application and answering a few questions, we can quickly make a decision with our streamlined underwriting process. Once approved, just pay your premiums when due and your coverage is guaranteed to last as long as you live, regardless of changes to your health.

Here are some features of our Simple Whole Life Insurance:

  • Coverage from $5,000 to $25,000
  • Death benefit and premiums never change2
  • Builds cash value with policy loans available3
  • No medical exam – just a few health questions
  • Early access to funds if you should become terminally ill4

Customize your Simple Whole Life insurance policy

We understand that everyone's situation is different. That’s why we offer you the option to customize your policy to meet your needs. Here are a few riders that can be added to your policy:


Disability Waiver of Premium Rider - Ensures your premiums will be waived while you are disabled, as defined in the policy.

Children’s Term Rider – Can provide up to $5,000 of life insurance coverage per child.

Accidental Death Benefit Rider - Provides an accidental death benefit to your beneficiary if you lose your life due to injuries sustained in a covered accident.

Travel Accident Rider - Provides an additional amount of coverage if death is the result of a covered travel accident.

Call 1-888-422-7020 to speak to a Life Insurance Specialist today.

Disclaimers & Disclosures

1If you apply for another insurance product, a medical exam may be required.

2As long as premiums are paid when due.

3Benefits may be reduced by any loans on the policy less debt.

4If you are diagnosed with a terminal illness with a life expectancy of 12 months or less, you may request to receive up to 50% of the policy’s death benefit or $500,000, whichever is less. Life expectancy duration varies by state. Requires medical evidence. The remaining benefits payable at death will be reduced by the amount of the Accelerated Death Benefit paid and any accrued and unpaid interest. Benefit may not be available in all states.

Policy Form Series: ICC10-5501WL/5501WL

This is a summary of insurance provisions and does not contain all of the benefits and exclusions. For complete terms of the insurance coverage, please contact your insurance professional or refer to the policy.

ALAN-19649-311-XX