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Whole Life (DOC)

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					Whole Life Insurance

       Whole Life is the simplest form of permanent life insurance. It features
       lifelong protection with guaranteed premiums, death benefit, and cash
       value.

       Whole Life protects you for your entire life unless you cancel the policy.



Whole Life can be right for you if you want:

      Fixed premiums that will not increase
      A guaranteed death benefit payout
      Cash value that is guaranteed to grow each year - tax-deferred
      Dividends that can be used to increase the value of the policy



Some things to consider about Whole Life:

      Premiums are initially more costly than Term Life, but are guaranteed not to
       increase
      Dividends are not guaranteed
      Loans and withdrawals can reduce the death benefit payout