Welcome to Kwantum Insurance Group Insurance

Whole life insurance is a type of permanent life insurance that protects you for your entire lifetime — unlike term life insurance, which only covers you for a set number of years. It’s one of the simplest forms of permanent coverage and also includes a cash value component, which acts as a long-term financial asset.

Because life insurance is viewed as beneficial to society, whole life policies come with special tax advantages you won’t find in many other financial products.

Every policy is tailored to the person being insured. Factors include:

• Your age and health (mortality risk) 
• The amount of coverage you want
• Any optional features, such as a cost-of-living adjustment rider
   

When you apply, the insurer uses underwriting — which may include a medical exam — to set four guarantees:

1. Guaranteed level premium – Your premium will never increase. As long as you pay on time, your policy stays active. 
2. Guaranteed death benefit – The amount paid to your beneficiaries will never decrease. 
3. Guaranteed cash value growth – Your cash value grows at a set rate each year until it equals the policy’s face value, typically by age 100 or 121. 
4. Guaranteed endowment – If you reach the age stated in your contract (often 100 or 121), the insurer will pay out the death benefit even if you’re still living.
    

Once your cash value grows to a usable amount, you can:

• Borrow against it (policy loans) 
• Use it to pay your premiums 
• Surrender your policy for cash in retirement
   

Whole life insurance offers three important tax benefits:

1. Tax-free death benefit – Paid to beneficiaries without income tax. 
2. Tax-deferred cash value growth – No taxes on growth until funds are withdrawn. 
3. Tax-free policy loans – Borrow against your cash value without immediate tax impact (as long as the policy stays active).
    

It’s designed for people who want:

• Lifetime coverage 
• Premiums that never change 
• A guaranteed, tax-deferred cash value with a fixed interest rate
   

Bottom line: Whole life insurance is more than just protection — it’s a lifelong financial tool with built-in guarantees and potential tax advantages.

Question for you: Are you ready to choose a policy that can protect your family for life and build value you can use along the way