Value-Added Whole Life
Secure lifetime coverage with growing tax-deferred cash value and no hidden fees, designed exclusively for military families.
Unmatched Whole Life Coverage
The benefits of Value-Added Whole Life can’t be found anywhere else. Guarantee your family will have what they need when you’re gone with our most popular coverage.
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How Value-Added Whole Life Works
Explore the features and benefits of this popular permanent life insurance solution.
Value-Added Whole Life Insurance provides permanent coverage that never expires. The initial death benefit is guaranteed for your lifetime, and your premium remains fixed, never increasing, regardless of age or health changes, allowing you to plan confidently for your family's financial security.
Your policy is guaranteed to earn a minimum crediting rate (specified in your policy) less standard mortality charges and expenses. Every premium payment you make, plus the crediting that it earns, builds your cash value tax-deferred over time, creating a financial resource you can access during your lifetime through policy loans or no-cost withdrawals.
You can choose between regular periodic premium payments from monthly, quarterly, or annually, whatever is most convenient for you. Additionally, you can customize the length of your payment period. You can spread the cost of your policy over your lifetime, or pay it up after 30, 15, or 7 years and never have to pay premiums again after that. You can even elect a single lump-sum premium payment, and pay it up all at once, which is sometimes a popular option for managing inheritance or windfall income.*
You can apply for the ideal permanent coverage provided by Value-Added Whole Life if you are a servicemember, Veteran, Military Spouse, or their children up to age 80, or their grandchildren under age 26. Regardless of when you apply, coverage is permanent and designed to be held for your entire life.
Policy Basics
Value-Added Whole Life Insurance provides permanent coverage that never expires. The initial death benefit is guaranteed for your lifetime, and your premium remains fixed, never increasing, regardless of age or health changes, allowing you to plan confidently for your family's financial security.
Cash Value Growth
Your policy is guaranteed to earn a minimum crediting rate (specified in your policy) less standard mortality charges and expenses. Every premium payment you make, plus the crediting that it earns, builds your cash value tax-deferred over time, creating a financial resource you can access during your lifetime through policy loans or no-cost withdrawals.
Payment Options
You can choose between regular periodic premium payments from monthly, quarterly, or annually, whatever is most convenient for you. Additionally, you can customize the length of your payment period. You can spread the cost of your policy over your lifetime, or pay it up after 30, 15, or 7 years and never have to pay premiums again after that. You can even elect a single lump-sum premium payment, and pay it up all at once, which is sometimes a popular option for managing inheritance or windfall income.*
Access Your Money
Who Can Apply?
You can apply for the ideal permanent coverage provided by Value-Added Whole Life if you are a servicemember, Veteran, Military Spouse, or their children up to age 80, or their grandchildren under age 26. Regardless of when you apply, coverage is permanent and designed to be held for your entire life.
Want to Know More? Find Answers Below
What is the difference between the cash value and the death benefit for beneficiaries of my Value-Added Whole Life policy?
Can I pay a one-time lump sum for my Value-Added Whole Life Insurance policy?
Is my Value-Added Whole Life Insurance guaranteed?
A Life-Changing Decision
Valuable resources to help you choose the most comprehensive coverage for your family.
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Secure Your Legacy Today
Take the first step toward financial security that lasts generations. Our Membership Coordinators are ready to customize a Value-Added Whole Life plan that meets your family's unique needs.