Whether you’re a military servicemember, spouse, or Veteran, you’ve committed your life to serving your country — and you deserve the opportunity to create a financial plan that serves you just as reliably. By including permanent life insurance as part of your overall financial wellness plan, you can gain not only solid life insurance protection, but also peace of mind knowing your loved ones are protected should the worst happen — plus, you can also build guaranteed cash value over time. 

But here’s the challenge: a lot of insurance products on the market today are tied to unpredictable investments. For example, Variable Life and Indexed Universal Life (IUL) policies are designed to grow — but their performance depends on how the market behaves. When it’s up, you can reap the benefits. When it’s down? You don’t. While these types of policies can work well for those who are comfortable with a little uncertainty, they don’t offer the predictability and guaranteed protection you may want — and expect — from your life insurance.  

If you prefer consistency over speculation, there’s a better option: permanent life insurance, such as Value-Added Whole Life.  

Why Choose Value-Added Whole Life from Armed Forces Mutual? 

Whole life insurance is permanent coverage that stays with you for life. Value-Added Whole Life insurance offers a wide range of benefits, including:  

• Guaranteed Cash Value Growth: Your policy builds cash value every year — no market exposure, no guesswork. 
• Level Premiums for Life: Lock in a premium that never increases, no matter your age or health changes. 
• Policy Loans When You Need Them: Access your cash value to support unexpected expenses or future goals — without penalties. 
• No Surprises. No Stock Market Stress: You get steady, long-term growth, even in turbulent times. 

As with our other life insurance options, this plan comes with all the benefits of Armed Forces Mutual Membership, including Survivor Assistance Services, secure document storage in your own Digital Vault, and more.  

Is Value-Added Whole Life Coverage Right for You? 

Whether you’re just starting your career or approaching retirement, this kind of stable, permanent coverage can help you:  

• Ensure your loved ones are protected, no matter what 
• Build value you can actually use 
• Be confident in your coverage, despite market fluctuations 

If you’re curious about whole life coverage and how you can protect your family’s finances for the future, explore your options or get a quote today.