Life Insurance Coverage Portfolio
Whole Life Insurance
Permanent lifetime insurance with guaranteed cash value accumulation, level death benefit, and potential annual dividend growth.
Regulated Rates from $42/mo
Licensed Counselor Included
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $42/mo
Or call toll-free: 1-800-555-OPTAVISE
Core Coverage Benefits & Protections
Lifetime coverage that never expires as long as premiums are paid
Guaranteed cash value accumulation with tax-deferred growth
Policy loan privileges allowing you to borrow against cash equity
Annual dividend eligibility with top AM Best mutual insurance carriers
Level premiums that never increase with age or health changes
Structured Plan Comparison Options
| Plan Level | Coverage Target | Living Benefits | Underwriting | Action |
|---|---|---|---|---|
| Standard SelectPure Protection | $100,000 – $250,000 | Terminal Illness | 24–48 Hr Simplified | |
| Preferred PlusMost Popular | $250,000 – $750,000 | Chronic & Disability Waiver | Instant Accelerated E-Sign | |
| Premier LifetimeMaximum Wealth Defense | $750,000 – $2,000,000+ | All Living Benefits + AD&D | Counselor Guided |
Available Policy Riders & Living Add-Ons
Paid-Up Additions (PUA) Rider for fast cash value growth
Guaranteed Insurability Option (GIO)
Waiver of Premium for Disability
Critical Illness Living Benefit Payout
Instant Whole Life Insurance Rate Check
Calculate regulated benchmark rates for your age.
Assigned Specialist
Sarah Jenkins
Senior Benefits Counselor
“Have questions on medical underwriting, pre-existing conditions, or state rate locks? I'm available for a free consultation.”