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Whole Life Insurance

Whole life insurance is a form of cash value insurance that can provide life-long protection for you and security for your beneficiaries. In any cash value policy, there are some common features:

  • You can cancel or surrender a policy in whole or part and receive cash in a lump sum equal to the current cash value, which increases as you pay premiums.
  • If you need to stop paying premiums, you can use the cash value to continue your current insurance protection for a specified time.
  • You may be able to borrow from the policy, using your cash value as collateral. You must repay the loan with interest or your beneficiaries will receive a smaller death benefit.

Whole life is the most common form of cash value life insurance. The premiums generally remain constant over the life of the policy and must be paid periodically in the amount indicated in the policy.

You should consider a whole life insurance policy if you want to:

  • Accumulate cash value for a child's education.
  • Accumulate cash value for retirement.
  • Protect business interests or provide benefits to key employees.
  • Provide a death benefit to a charitable institution.
  • Minimize estate taxes by using a last-survivor option.

American United Life Insurance Company® is authorized to conduct Life Insurance business in every state of the United States except New York. Airey Insurance and Financial Services has agents who are licensed and authorized to conduct Life Insurance business in IN,IL,MI,OH,CA,KS and ID. Airey Insurance and Financial Services also has Representatives who are licensed and authorized to conduct securities related business in IN,IL,MI,CA,IA,MO,and TX. This Web Site is in no way to be construed as an offer for the sale of insurance or securities product in unauthorized states or countries.

Securities offered through OneAmerica Securities, Inc., Member NASD, SIPC, a Registered Investment Advisor, 200 West 84th Drive, STE B, Merrillville, IN, 46410, 219-650-4050, which is not affiliated with Airey Insurance and Financial Services, Inc. OneAmerica Securities, Inc. is a wholly owned subsidiary of American United Life Insurance CompanyŽ

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