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  • Home Individuals & Families Shop for Plans Supplemental Health Insurance Individual Whole Life Insurance

    Insured by Loyal American Life Insurance Company

    Individual Whole Life Insurance

    A whole life policy can help your family cover your final expenses, including funeral costs, with a lump sum cash payment. Available for around $28/month.1

    Call today for a free quote:

    Monday – Friday, 8 am – 8 pm

    Whole Life Insurance Product Details

    You can’t predict the future. So it’s good to plan ahead. Our Whole Life insurance policy will help provide benefits for your family after you’re gonewhen they need it the most. How can a Whole Life Insurance policy help you?

    • Helps to provide your family the support they need to pay for your final expenses, including:
      • Funeral or cremation expenses
      • Protection for your family’s nest egg
      • Contribution to your grandchild’s education
      • Donation to charities of your choice
      • Pay down outstanding mortgages or other loan balances
    • You select a base policy with a maximum death benefit amount of $2,000 to $25,000.2
    • Policy accumulates a cash value, starting in the third year, that can be accessed by either a policy loan or cash surrender.
    • For an additional premium, you can choose to add an Accidental Death Benefit to Age 100 Rider. Availability may vary by state.
    • Guaranteed premiums - your premiums will not increase.3
    • Both you and your spouse may apply for policies to qualify for a 5% spousal premium discount.4
    • Can be tailored to your needs and budget.
    • Available for ages 50-85 and can include coverage for you and your spouse.

    Two Whole Life Insurance benefit plans to fit your needs

    Level Benefit Plan

    Pays the full death benefit amount chosen5 to your beneficiary upon your death. Our Terminal Illness Accelerated Benefit Rider is automatically included in this plan, at no additional charge, so that if you are diagnosed with a terminal illness, you can have additional funds to help with medical expenses or financial needs.

    Modified Benefit Plan

    For those who do not qualify for coverage under the Level Benefit Plan, this Modified Benefit Plan has adjusted levels of coverage for the first two years of the life of the policy.

    Compare the coverage for both benefit plans:

    Loss of life from...
    Level Benefit Plan Death Benefit Amount
    Modified Benefit Plan Death Benefit Amount
    Non-accidental death within first two years of coverage
    100% of benefit amount
    110% of premium paid
    Non-accidental death after being covered for two or more years
    100% of benefit amount
    100% of benefit amount
    Accidental death while covered
    100% of benefit amount
    100% of benefit amount

    Barbara's story

    Barbara remembered how difficult it was to arrange her mother’s funeral. She spent so much time worrying about the final costs when all she wanted to do was be with her family.

    Barbara knew she didn’t want her own children to face the same situation. For less than $1 per day1, her Individual Whole Life policy put her mind at ease knowing that there would be benefits to help her family when they need it the most.

    (This is an example used for illustrative purposes only.)

    State Specific Details

    Learn more about the benefits included in the Individual Whole Life Insurance policy by selecting the state where you live:

    Select State... Alabama Alaska Arizona Arkansas California Colorado Connecticut D.C. Delaware Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachsetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
    View Brochure [PDF]

    Continue shopping for your own coverage

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    State Policy Disclosures, Exclusions, Limitations, and Reductions

    1Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the Level Benefit Plan individual rate for a female non-tobacco user in Alabama, age 55, with a $10,000 benefit amount. Individual rates will vary based on your state, age at time of issue, sex, tobacco status and the benefit amount you select. Rates are subject to change. Unisex applies to Montana only.3

    2Benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy and/or rider.

    3Your policy cannot be terminated for any reason other than non-payment of premium or material misrepresentation in the application for insurance.

    4Only available if both individuals apply at the same time. Discount is applied to the policy of the youngest spouse.

    5Subject to all the terms and conditions of the policy and/or rider.


    This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Full terms and conditions of coverage are defined by and governed by an issued policy. Please refer to the policy for the full terms and conditions of coverage. 

    This is a solicitation for insurance. An insurance agent/producer may contact you. Product availability varies by state. These policies contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent/producer or the company. Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke and Individual Whole Life Insurance Policies are insured by Loyal American Life Insurance Company.

    Lump Sum Heart Attack and Stroke policy is not available in: ID, MA, NY, or VA.

    Lump Sum Cancer policy is not available in: ID, NY, VA or WY.

    Cancer Treatment policy is not available in: ID, MA, MN, NH, NJ, NY, UT, or WY.

    Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.

    Whole Life policy is not available in: FL or NY.

    Accident Treatment policy is not available in: ID, NH, NY, or VA.

    All Cigna HealthcareSM products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Loyal American Life Insurance Company. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

    This page is not intended for residents of Idaho, New Mexico, and Oregon.

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