Coverage options

Protection designed for real life.

Explore straightforward solutions that can help cover final costs, build value, and leave something meaningful behind.

A thoughtful final gift

Final Expense Insurance

Coverage designed to help loved ones manage end-of-life costs without added financial stress.

Helps cover funeral and burial costs
Reduces financial pressure on loved ones
Provides lasting peace of mind
May build cash value, depending on policy terms

Often suited to adults seeking focused, accessible protection for final costs.

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Build protection early

20-Pay Whole Life Insurance

Permanent coverage with scheduled premiums for 20 years and protection designed to last a lifetime.

Guaranteed lifetime coverage when policy requirements are met
Fixed monthly premiums
Cash value accumulation
Premiums scheduled for 20 years
Tax-advantaged legacy under current law
Potential loans against eligible cash value

Often suited to young families and people planning for long-term protection.

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At-a-glance comparison
Feature	Final Expense	20-Pay Whole Life
Primary purpose	Final costs	Lifetime protection and legacy
Premium period	Varies by policy	20 years
Cash value	May be available	Designed to accumulate
Planning horizon	Immediate and focused	Long-term

Policy features, eligibility, costs, cash value, loans, tax treatment, and guarantees vary. Guarantees depend on the issuing insurer’s claims-paying ability and policy requirements. Review the specific policy before making a decision.

Take the first step

Your family’s future deserves a thoughtful plan.

Start with a clear, no-pressure conversation about your goals and the people you love.

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