Secure Lifelong Protection with Whole Life Insurance
Coverage that lasts a lifetime while building guaranteed cash value
Secure Protection for Life
Life changes, but your family’s protection shouldn’t. Whole Life Insurance is designed to give you peace of mind for a lifetime. Unlike term policies that eventually expire, whole life guarantees lifelong coverage while building cash value that you can access when you need it most.
At Stratton Insurance Agency, we help families, seniors, and business owners throughout Texas choose whole life insurance plans that protect their loved ones today and create financial security for tomorrow.
What is Whole Life Insurance?
Whole Life Insurance is permanent life insurance coverage that stays in force for your entire lifetime — as long as you keep paying your premiums. It provides:
A guaranteed death benefit to your beneficiaries.
Stable premiums that never increase.
Cash value growth that builds over time and can be borrowed against.
Think of it as both protection for your family and a disciplined savings tool that grows year after year.
Policy Features
Lifelong Coverage
Never worry about your policy expiring.
Guaranteed Payout
Your loved ones receive a tax-free death benefit.
Cash Value Growth
Your policy builds savings you can use later.
Loan Access
Borrow against your cash value for emergencies, college, or retirement.
Premium Stability
Your monthly cost stays the same — no surprises.
Frequently Asked Questions
Q: Isn’t permanent life insurance more expensive?
A: Yes, but the added value of lifetime coverage and cash accumulation makes it a powerful wealth-building tool.
Q: Can I borrow from my policy?
A: Yes — many permanent life policies allow you to borrow against the cash value for things like tuition, emergencies, or retirement.
Q: What if I only need coverage for 20 years?
A: In that case, term insurance may be a better fit. We’ll help you compare options side-by-side.
Q: What happens to the cash value if I pass away?
A: The death benefit is paid directly to your beneficiaries, and in most cases, the insurance company keeps the cash value. However, some policies can be structured to include both — we’ll walk you through the options so you get the plan that works best for your goals.
Take the Next Step
Permanent Life Insurance is more than just protection — it’s a lifelong financial strategy. Let’s find the plan that fits your needs, budget, and goals.
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