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Single Premium Whole Life Insurance

A lifetime of protection purchased with one, simple payment.

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Lifelong Protection with Only One Payment

Receiving lifelong protection doesn’t have to mean a lifetime of payments. With Single Premium Whole Life, you receive permanent protection with just one payment, without missing out on all the perks BetterLife Whole Life solutions offer.

Guaranteed Protection

Single Premium Whole Life insurances provides permanent coverage with just a single payment.

Guaranteed Cash Value

Your policy will have a guaranteed cash value that grows over time.

Access to Member Benefits

You’ll receive access to our free BetterLife Member Benefits at no additional cost.

BetterLife Member Benefits

When you purchase a BetterLife Single Premium Whole Life policy, you automatically gain access to our free, exclusive member benefits, which offer additional protection and value. Click on the button below to learn more.

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Single Premium Whole Life is ideal for…

A CD/Annuity Alternative

Since this policy has the potential to earn dividends and gain cash value with a single payment, it’s a great alternative to a CD or annuity. Plus, you’ll receive permanent coverage and access to other benefits.

Repositioning Assets

Because you receive permanent coverage with a single payment, Single Premium Whole Life is a great option for those looking to reposition or reallocate their assets.

Legacy Planning

The ease of a single payment combined with permanent coverage makes this product a great option for those legacy planning.

Gifting Policies to Children and Grandchildren

You can purchase a life insurance policy for a little one you love that will never go away with just a one-time payment.

Our Single Premium Whole Life solution offers:


Policy Details

  • Policies available from $25,000+
  • Available to people ages 0-85
  • Lifetime coverage with an income tax-free* death benefit
  • A guaranteed death benefit and cash value accumulation
  • Eligible (not guaranteed) to earn dividends, which can be used in a variety of ways



  • Lifetime coverage with a single premium payment


Options & Extra Benefits

  • Our Accelerated Death Benefit, which allows you to access your death benefit early if you become terminally ill
  • Access to our exclusive BetterLife Member Benefits


Download Our Whole Life Info Sheet

We also provide term life insurance and universal life insurance solutions. If you’re not sure how much life insurance you need, our life insurance calculator will help you to determine the correct amount.

If you would like to learn more about our life insurance solutions, contact one of our Insurance Agents today!

*According to tax laws IRC Sections 101 & 7702. Guarantees are backed by the financial strength and claims-paying ability of BetterLife.

Here's what our members have to say:

Learn more about what BetterLife Whole Life insurance can do for you.

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