Let’s have a frank conversation.

Whole Life

Whole Life Insurance

Protect your loved ones with a whole life insurance policy.

It’s never too soon to start thinking about what the future might hold for your loved ones. A whole life insurance policy from Frankenmuth Insurance protects your loved ones from the unexpected for your whole life—no matter your age or situation.

What is whole life insurance?

A whole life insurance policy provides a guaranteed, permanent type of protection. Some of the advantages include that it lasts for a lifetime, provides a guaranteed death benefit (the amount paid to your beneficiary if you die while the policy is in force) and is an asset to any financial or estate planning strategy. At Frankenmuth Insurance, we’ll help you evaluate your unique situation and see if your loved ones and financial needs align with a whole life insurance policy.

With whole life insurance, you can expect:

  • Life insurance protection for as long as you live, or until age 121.
  • A guaranteed death benefit. Upon your death, the beneficiary of your policy will receive its full amount.
  • A level insurance premium that will never increase. When you purchase a whole life insurance policy, you’ll lock in the amount you pay, and that amount can never go up.
  • Coverage for loss of income, mortgage costs, educational expenses, and a legacy for the next generation.
  • Loan options for emergencies, supplemental retirement income, or any other purpose.
  • Guaranteed cash value that can build over your lifetime.
  • Additional riders (extra benefits) to choose from, like Premium Waiver, Accelerated Death Benefit and Chronic Illness Living Benefit.

Calculate your coverage needs with our life insurance calculator. Then talk to a local, independent agent to see if whole life insurance is the right option for you.

Life insurance policies are written by our subsidiary, Patriot Life Insurance Company, which operates in many states in the Midwest, Northeast, and Southeast regions of the United States.


of consumers overestimate the cost of life insurance.