Whole Life Insurance

WHY CHOOSE OUR WHOLE LIFE INSURANCE

Permanent protection with lifelong guarantees fixed premiums, cash value growth, and a death benefit that never decreases.

Lifelong
Coverage

Guaranteed protection that lasts a lifetime with steady cash value growth and premiums that never increase.

Fixed
Premiums

Lock in affordable rates that never increase your premium stays the same for life.

Cash Value
Accumulation

Build savings over time your policy grows cash value you can access while keeping coverage intact.

Choose the Plan That’s Right for You

We offer a variety of whole life insurance plans to suit every individual’s circumstances and goals:

Level Plans

Lock in lifelong protection with fixed premiums that never rise—your rate stays the same for the life of your policy.

Graded / Modified Plans

Start with lower premiums that gradually increase—a budget-friendly path to full coverage.

Guaranteed Issue Plans

Get coverage without medical exams or health questions—guaranteed approval for those who need it most.

Apply in minutes no exams, no hassle, just fast and easy coverage.

Getting insured with My America Benefits is simple:

1. Explore Your Options:

Start with a free, no-obligation consultation to find the perfect coverage for your needs and budget—online, by phone, or with a local agent.

2. Efficient Application:

Complete your application in minutes—online or by phone—with no medical exams required. Just answer a few basic health questions, and you’ll often get same-day approval.

3. Continued Support:

Your protection doesn’t end at approval—our bilingual team provides ongoing policy assistance, claims help, and coverage updates whenever life changes.