Whole Life Insurance – Simple, Complete
Whole Life Insurance is the simplest form of permanent life insurance. It features lifelong protection with guaranteed premiums, death benefit, and cash value.
Whole Life Insurance protects you for your entire life unless you cancel the policy.
Whole Life Insurance 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 Insurance:
- 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
Your SGB Whole Life Insurance can help you determine whether Whole Life Insurance makes sense for you and your family.
Whole Life Insurance Details
Like most insurance policies, MetLife’s policies contain exclusions, limitations, reductions of benefits and terms for keeping them in force. For complete costs and details, see your MetLife Financial Services representative.
Guarantees apply to certain insurance and annuity products (not securities, variable or investment advisory products) and are subject to the insurer’s claims-paying ability and financial strength.
*1 Withdrawals or loans will reduce your policy’s death benefit.
*2 MetLife, its agents, and representatives may not give legal or tax advice. Any discussion of taxes herein or related to this document is for general information purposes only and does not purport to be complete or cover every situation. Tax law is subject to interpretation and legislative change. Tax results and the appropriateness of any product for any specific taxpayer may vary depending on the facts and circumstances. You should consult with and rely on your own independent legal and tax advisers regarding your particular set of facts and circumstances.
Pursuant to IRS Circular 230, MetLife is providing you with the following notification: The information contained in this website not intended to (and cannot) be used by anyone to avoid IRS penalties. This website supports the promotion and marketing of insurance products. You should seek advice based on your particular circumstances from an independent tax adviser.
*3 Not all riders are available in every state. Optional riders are available for an additional fee and are subject to contractual terms, conditions and limitations. Most riders can be selected only when you apply for your policy.
*Whole Life insurance is issued by Metropolitan Life Insurance Company on policy form # 8-90 (08), 200 Park Ave., New York, NY 10166.
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We were looking for a new insurance agent since the agent I was using had horrible customer service and never returned my calls.
I called SGB for Automobile Insurance and they gave me several quotes from different companies and educated me about some money saving options I wasn't aware of so I could make an informed choice.
We were so pleased with their service we have moved all of our insurance needs to their company (2 Auto Body Shops, Cars, Home, Boat and Trailer). I never realized how much could be saved by having all my policies with one company.
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— Kevin & Michelle Linehan, Menifee, CA 92584 Apr 5, 2011