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Licensed life insurance agent · Serving clients nationwide

Coverage that lasts your whole life.

Whole life insurance is permanent protection with a rate that's guaranteed never to change, and cash value that grows the entire time you're covered.

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Permacare heart mark

Shopping your case across top-rated carriers, including

Americo Ethos Mutual of Omaha Transamerica Royal Neighbors of America Corebridge Financial
What it is

Permanent protection, guaranteed.

Whole life insurance covers you for your entire life, not just a set number of years. As long as premiums are paid, the policy stays in force — there's no term to outlive and no re-shopping for coverage later in life.

Part of every payment builds cash value inside the policy at a guaranteed rate. That cash value grows tax-deferred, and you can borrow against it while you're still living.

100%
Guaranteed level premiums for life
Fixed
Guaranteed cash value growth rate
0
Medical surprises — rate never changes
A smiling couple, the kind of family Permacare covers
50 states
Licensed nationwide
15+ carriers
Independent access to top-rated insurers
What it can look like

An illustrative example

Every quote is personal, but here's what a whole life policy can look like for a healthy 35-year-old.

Coverage amount$250,000
Monthly premium$210 per month
Premium guaranteeLocked for life
Cash value at year 20Guaranteed to grow

Example only, based on a healthy 35-year-old, preferred rate class. Actual premiums and cash value depend on age, health, gender, coverage amount, and carrier — Permacare will get you an exact, personalized quote before you commit to anything.

Who it's for

Built for people who want certainty.

Lifelong coverage seekers

You want protection that's there no matter when you pass, not just during a specific window.

Cash value builders

You like the idea of part of your premium building guaranteed, tax-deferred savings you can tap into later.

Legacy planners

You want to leave something behind for your family or a cause you care about, guaranteed.

What's included

The key features

Guaranteed level premiums for life
Guaranteed cash value growth
Guaranteed death benefit
Can borrow against your cash value
Coverage never expires while funded
Some policies pay dividends
Is this the right fit?

Whole life vs. term

Both are legitimate, well-used tools — which one fits depends on your budget and how long you need protection.

Term life

Lower cost, set window

  • Lowest starting cost for the most coverage
  • Built for a specific window — a mortgage, your working years, until the kids are grown
  • Simple by design: a fixed term, a fixed rate, no cash-value tracking
Whole life · Permacare

Permanent, guaranteed

  • Rate is locked in and never increases
  • Builds guaranteed, tax-deferred cash value over time
  • Never expires as long as it's funded

Both are legitimate, well-used tools — Permacare walks you through both honestly before you decide. Not sure which one you need? That's exactly what the first call is for.

How it works

Get covered in 3 easy steps

No middlemen, no guesswork — just three simple steps to a rate that's yours.

STEP 01
1

Quick conversation

A 15-minute call about your family, your budget, and what protection actually makes sense right now.

STEP 02
2

Matched to a carrier

Permacare shops your case across top-rated insurers to find the strongest rate for your health and goals.

STEP 03
3

Locked in

Once approved, your rate and coverage are set. Nothing changes again unless you want it to.

Got questions?

FAQ

Term covers you for a set window and ends. Whole life covers you permanently and builds guaranteed cash value the entire time — it costs more per dollar of coverage, but it never runs out.
Yes. You can typically borrow against your policy's cash value for things like emergencies, opportunities, or retirement income.
No. That's the core guarantee of whole life — your rate is locked in the day you're approved and stays level for as long as you own the policy.
It depends on your age, health, gender, and how much coverage you choose — whole life costs more per dollar of coverage than term because it's permanent and builds cash value. Permacare shops your case across multiple carriers to find the strongest rate for your situation.
Depending on how much cash value has built up, you may be able to use it to keep the policy in force for a while, convert to a reduced paid-up policy, or surrender it for its cash value. Your carrier will walk you through the options if this ever comes up.
It depends on the carrier and coverage amount. Many whole life policies use simplified underwriting with no exam required, especially at lower coverage amounts; larger policies may call for a quick health questionnaire. We'll tell you exactly what applies before you apply.

Ready to see what your rate looks like?

One short call is all it takes to find out what you qualify for. No pressure, no obligation — just real numbers.

See your rate Call (443) 815-8024 or email life@permacareco.com