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Insurance

Whole Life and Single Premium Whole Life Insurance

Do you want your insurance premiums to remain the same for the rest of your life?

	What is Whole Life Insurance?
	What is Single Premium Whole Life Insurance?
	Benefits
	Features
	How Much Insurance Do I Need?
	Is Whole Life and Single Premium Whole Life Insurance Right For You?

What is Whole Life Insurance?


	A whole life policy is permanent insurance that provides protection for the 'whole of life' from the date of issue to the date of the insured's death - provided the premiums are paid.

What is Single Premium Whole Life Insurance?


	A single premium whole life insurance policy differs from a whole life policy only in that the entire premium is paid up front, instead of on a monthly or annual basis over a number of years.

Whole Life Insurance Benefits


	"Permanent" insurance protection.
	Can accumulate cash value that will be paid to the policy owner if the policy is surrendered.
	Cash values can also provide a "living benefit": a source of funds that the policy owner can borrow, or use as collateral to help secure a loan.

Whole Life Insurance Features


	Whole life policies are characterized by level premiums, level death benefits and cash value accumulation.
	Provides permanent insurance; designed to offer a lifetime of coverage if you choose. In order to maintain coverage, you must continue to pay premiums sufficient to support the coverage you want.
	The policy remains in force as long as required premiums are paid or until the death of the insured, whichever comes first.
	Certain valuable riders (or options) can be attached to the whole life insurance policies to increase the protection you receive. These riders enhance the basic coverage offered under the policy.
	If you take a loan against the cash value of a whole life policy, you will owe interest on the principal annually on the policy anniversary. If a policy is lapsed or surrendered, any outstanding balance loan may cause a taxable gain, and the loan amount and unpaid interest outstanding will also reduce your death benefit.

Get Started Now

To arrange a convenient appointment, simply call us toll-free at 1-800-724-9949. You can also "Get Started" on your insurance coverage right now--online--an M&T Securities Representative will telephone you at your convenience to follow-up, answer any questions and complete the process.

Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC-Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Go Down In Value

M&T Investment Group^SM is a service mark of M&T Bank Corporation and consists of M&T Securities, Inc., the investment-related areas of M&T Bank and investment advisory firms MTB Investment Advisors, Inc., and Zirkin-Cutler Investments, Inc.

Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank. M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.