When securing lifelong protection for your loved ones, choosing the right life insurance product is one of the most important financial decisions you’ll make. For many, permanent life insurance offers the right mix of coverage and long-term value, but not all policies are created equal. In fact, there are three types of permanent life insurance you’ll want to consider — Whole Life, Indexed Universal Life (IUL), Variable Whole Life (VWL), and Armed Forces Mutual’s Value-Added Whole Life Insurance (VAWL). Read on to see why VAWL may be the strongest choice in today’s economic environment.
A common permanent life insurance structure, IUL policies link their cash value growth to a market index such as the S&P 500. Policy features include:
An IUL plan can offer upside potential, but this type of life insurance requires ongoing attention and may underperform in flat or declining markets. While it may lead you to a stronger financial position, it does carry some risk — and your budget must be prepared for and able to endure it.
Variable Whole Life combines the guarantees of traditional whole life insurance with the investment potential of mutual-fund-like sub-accounts. It also features:
It’s important to note that policyholders who choose a VWL life insurance policy option must be comfortable managing investment choices and market exposure.
Offered exclusively to the military community, our Value-Added Whole Life insurance is guaranteed over the life of the policy to earn a minimum crediting rate (full terms are specified in your policy). It also features:
This policy is built for security, simplicity, and service, with no exposure to market fluctuations.
In a time of economic uncertainty, policies that prioritize stability over speculation are more appealing than ever. Here’s why our Value-Added Whole Life stands out in the current market landscape:
Both IUL and VWL policies rely on market performance. That means stock market instability — which can be influenced by inflation, interest rate swings, global tensions, and more — can reduce growth, affect policy values, or even trigger the need for increased premiums to keep the policy in force.
In contrast, a Value-Added Whole Life policy offers:
Some market-tied policies can require additional premium payments if returns fall short of projections — especially in IUL policies with flexible structures. This can be an unwelcome surprise to policyholders, especially in later years.
Armed Forces Mutual’s Value-Added Whole Life policy locks in:
That makes budgeting easier and prevents unexpected costs down the line.
With IUL and VWL, you may need to monitor index caps, participation rates, fund allocations, and more. For military families with busy lives, that complexity can be a burden.
Armed Forces Mutual offers:
For military families seeking a secure, long-term solution with meaningful Member benefits, Armed Forces Mutual’s Value-Added Whole Life Insurance delivers where market-dependent policies can fall short. It’s more than just life insurance — it’s a commitment to peace of mind, backed by over a century of service to those who serve. Get a quote today.