What is Whole Life Insurance?

Whole life is permanent insurance that does not expire and provides lifetime coverage. Over time, the policy accumulates cash value that can be accessed while living for a variety of purposes. We offer competitive 10-year or 20-year payment plans. Whichever option you choose, your premiums will never increase.

Lifetime Protection, Limited Premium Payments

USAlliance gives you the ability to keep coverage and only pay premiums for 10 or 20 years. The premium never increases or changes. The benefit is available at the time of issue and will be there as long as payments are made. Once the payments are done, the coverage is there for the rest of your lifetime and does not expire.

Lump Sum Payment

We pay your beneficiaries with a lump sum payment. These funds can be used to ease the financial burden of loss. There are no restrictions on how funds are used.

Cash Value

A whole life policy allows you to have a living benefit, and accumulates a cash value that is available. Policy loans and withdrawals will reduce the policy’s cash value and death benefit.

Pioneer™ Traditional Whole Life

• Safe, secure, simple application.
• Birth to age 80 eligible. No medical exam required under age 70.
• Policy builds cash value.
• Payments to fit your budget.
• Policies start with a face value of $25,000.
• You decide your payment option for limited premium payments (10 or 20 years).
• Rates will never be increased as long as payments are made.
• Accidental Death Rider also available.

Pioneer™ Senior Whole Life

• Protection to $35,000 available (as low as $62 per month).
• Age 55 to 80 eligible to apply. No medical exam required under age 70.
• Choose the payment option for limited premium payments (10 or 20 years).
• Face amount of $10,000 to $35,000 for ages 55 to 80 that can be used for final expenses or any other financial needs you may have.
• Full face amount available at issue, no graded benefit. Your benefit is available from day 1.
• Policy builds cash value.
• Payments to fit your budget.
• Rates can never be increased.

Pioneer™ Juvenile Whole Life

• You choose payment option for limited premium payments (10 or 20 years).
• A gift that will last a lifetime by providing a child with lifelong protection.
• Policy builds cash value.
• Payments to fit your budget.
• Rates can never be increased.
• Great for parents and grandparents. Feel peace of mind.
• Policies start with a face value of $25,000.
• Accidental Death Rider available.

Getting Set Up is Simple and Affordable

Apply in minutes. You’ll be surprised just how affordable and comprehensive USAlliance insurance is. We can help. Learn how.