Our Policy Is Your Promise To Protect Them

Protecting your family from financial hardship is one of your most important goals. Decide how much coverage you need to make sure they are taken care of. Cash Value Whole Life Insurance – Limited Pay to 751 presents the opportunity for income replacement and much more, offering lifetime protection through premium payments that end at age 75. You’re pledging support for your community, too, because 1891 Financial Life devotes a portion of your purchase to fund vital social, educational, and volunteer programs right in your own backyard.

Product Specs

Check out a brief overview of our Cash Value Whole Life – Limited Pay to 75 product.
  • Available for ages from 0 - 65
  • Policy amounts available from $15,000 - $4 million
  • Guaranteed level premium payments throughout the payment period which continues up to age 75, when the policy is paid for life—regardless of changes in your health situation or life station
  • Guaranteed death benefit is payable to beneficiaries tax-free2 without going through probate
  • Cash value accumulates over time, offering growth
  • Borrow against the policy’s accumulated cash value if needed, or use the policy as collateral for a loan3
  • Should dividends4 be payable they can be paid to you in cash, used to purchase more coverage, or left in the policy for additional growth with guaranteed interest
  • As an 1891 policyholder, receive member access to a host of soul-inspiring community events, programs, volunteer efforts, and service projects, plus benefits including grants, scholarships, money-saving prescription benefits, subscriptions, and much more
  • Optional policy riders5 are available, including:
    • Living Benefits Rider: allows you to access a portion of your death benefit if you are diagnosed with a qualifying serious illness. Available with no additional premium. CLICK HERE for details.
    • Waiver of Premium pays your premiums for you should you become disabled as defined in the rider’s contractual terms
    • Accidental Death Benefit pays your beneficiary twice the original death benefit amount defined in the policy up to $250,000, should your death be due to accidental bodily injury
    • Guaranteed Issue Option lets you purchase an additional permanent insurance policy, not to exceed a total of $50,000 from all option purchases
    • Charitable Giving Benefit Rider allows a specified percentage of the death benefit to be paid to an eligible 501(c)(3) charity and 1891 Financial Life will match the amount paid to the charity, up to $2,500


Subject to change. Product/features may not be available in all states.
113WL Plan Series.
2Death benefit is typically tax-free, consult your tax advisor.
3Loans against the policy will reduce the death benefit.
4Dividends are not guaranteed. If available, payable on the policy anniversary. Payment not prorated.
5Rules and restrictions apply to each rider; availability may vary. Not all riders are available in all states.