Get My Quote for Permanent Whole Life Insurance

Permanent Whole Life Insurance + an Early Payout Option

Living Insurance, a two-part plan, provides flexible coverage for you now and later when your family may need it most. It combines the benefits of traditional permanent whole life insurance and an optional early payout that allows you access to up to 50% of your benefit if you become seriously ill. Select either the heart attack and stroke, cancer, or chronic illness early payout option. This affordable coverage lasts your lifetime at a fixed rate that never goes up. Cash value begins to build after 1 year that you can borrow against at a guaranteed rate. No medical exams. Answers to questions on your application help us determine your eligibility. An underwriter may contact you by phone for more information.

Pricing and Terms

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Giving your phone number means that you understand and agree that a Colonial Penn® Program representative may contact you by phone to discuss the purchase of life insurance (except in CA).

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Basic Plan Details


Your rate is locked in when coverage starts and never goes up. It begins to build cash value after 1 year that you can borrow against at a guaranteed rate. There are no medical exams - your answers to the questions on the application help us determine your eligibility.

*Based on 2018 customer data for electronic policy applications

Pricing and Terms

Affordable coverage that lasts your whole life and builds cash value. Your rate will never go up!