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Whole Life

What it is and why you need it!

Whole life insurance is financial protection that covers you for your entire life. Quite simply, when you own a low-cost whole life insurance policy, your payments never change, and as long as you pay your premiums when due, Centrian Life pays your loved ones benefits when you die.

A whole life insurance policy from Centrian Life also builds cash value that, in most cases, grows without being subject to taxation. Better yet, not only can your death benefit - the amount your loved ones receive when you die - increase, but once there is cash value, you can borrow up to that value to use as you see fit.

Centrian Life whole life insurance is an excellent low-cost way to give your family financial protection for your entire life and to help your family meet financial obligations after you die.

When you own a Centrian Life whole life insurance policy:
  • Your family is financially protected for your entire life
  • Your premiums/payments never change
  • You may borrow the guaranteed cash value of your policy
  • You never have to renew or convert your policy
  • Your policy may earn dividends and these dividends may be used to purchase more paid up life insurance, to reduce premium, or left to accumulate at interest.
  • Your family will have help in meeting current and future financial obligations after you die:
    • Expenses at the time of your death, such as medical bills, burial costs and estate taxes;
    • Ongoing, future and unforeseen expenses: living expenses, tuition, child care, debt.