New 3-Pay Whole Life Insurance: Big Protection. Three Payments.

October 19, 2026

When you’re building a meaningful life, protecting the people you love is part of the plan. But protection isn’t only about preparing for what might happen. It can also be about creating a legacy that lasts.

That’s why 1891 Financial Life is excited to introduce 3-Pay Whole Life Insurance¹, a new way to provide lifelong protection without a lifetime of premium payments.

With 3-Pay Whole Life Insurance, you complete your scheduled premium payments in just three years while building guaranteed cash value and providing a guaranteed death benefit for the people who matter most to you.

Protection Today. A Legacy for Tomorrow.

3-Pay Whole Life Insurance can be an especially meaningful way to help protect a child’s future. By establishing coverage early, parents, grandparents or other loved ones can give a gift designed to continue long after childhood.

The policy offers:

• Protection for life. Complete scheduled premiums in three years and provide guaranteed lifetime coverage.
• Guaranteed cash value. The policy builds cash value over time, and may provide access to policy loans.²
• Opportunity for additional protection. The optional Guaranteed Insurability Option Rider³ allows the insured to purchase additional coverage at specified dates without evidence of insurability, subject to rider terms, age limits and an additional cost.
• A lasting legacy. Life insurance can help provide financial protection for the people you love while creating a meaningful expression of what matters to you.

3-Pay Whole Life is available for issue ages 0–85, with face amounts ranging from $15,000 to $4 million – click HERE to view the flyer.

 

Important Information:

3-Pay Whole Life is classified as a Modified Endowment Contract (MEC). Distributions, including loans and withdrawals, may be taxable and may be subject to an additional tax penalty if taken before age 59½. Loans against the policy will reduce the death benefit. Consult your tax advisor.

 

More Than a Policy.

At 1891 Financial Life, protection has a bigger purpose.

Our members are part of a community that puts shared values into action. Through Impact Teams, members can come together for fundraisers, service activities and social events that strengthen the communities where they live. 1891 Financial Life supports these efforts, including funding for Impact Team activities and matching funds for fundraisers. Members may also have opportunities to benefit from scholarships and grants.

It's part of what we mean by Protection with Purpose: helping families protect their financial futures while creating real-life impact in the communities they call home.

Ready to learn more?

Talk with a 1891 Financial Life representative about whether 3-Pay Whole Life Insurance could be right for you or someone you love – contact your 1891 Financial Life Insurance agent or a Home Office representative to tailor a strategy at 800-344-6273 Option 5 or fill out THIS FORM.

 

Subject to change. Products/features may not be available in all states. Product descriptions are not a statement of contract; please refer to the policy forms for full disclosure of all benefits and limitations. Guarantees backed solely by claims-paying ability of 1891 Financial Life. 1) ICC13WL Plan Series. 2) This policy is classified as a Modified Endowment Contract (MEC). Distributions, including loans and withdrawals, may be taxable and may be subject to an additional tax penalty if taken before age 59½. Consult your tax advisor. Loans against the policy will reduce the death benefit. 3)  ICC17RI-GIO Series. Subject to rider terms, age limits, and an extra cost.