Whole Life Insurance

For Individuals and Families in Dallas, Ft. Worth, Plano, and Texas
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Lifelong Protection with Built-In Value

Whole Life Insurance offers more than just a death benefit—it builds cash value over time and guarantees coverage for life. At Affluence Insurance Services, we guide you through selecting a policy that grows with you, supports long-term financial goals, and leaves a lasting legacy for your loved ones.

What's Covered

Whole life insurance includes:

  • Lifetime Coverage

    Provides a guaranteed death benefit that never expires, as long as premiums are paid.

  • Guaranteed Cash Value

    Accumulates value you can borrow against or use in retirement.

  • Level Premiums

    Fixed rates for the life of the policy, with no increases as you age.

  • Dividend Eligibility (in some policies)

    May receive annual dividends based on company performance.

Insure with Affluence

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Lifelong Security

Unlike term policies, this never expires—perfect for estate planning and lifelong dependents.

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Financial Flexibility

Access your policy’s cash value for emergencies, education, or supplemental retirement income.

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Predictable Growth

Our team stays in touch and checks in regularly—so when life changes, your policy keeps up.

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Legacy Planning

Ensures your loved ones receive tax-free benefits to cover final expenses, debts, or wealth transfer goals.

Frequently Asked Questions

  • How is whole life different from term life?

    Term life expires after a set time. Whole life offers permanent coverage with cash value and other long-term benefits.

  • Can I access the cash value during my lifetime?

    Yes—you can borrow or withdraw from it, typically tax-free. We’ll explain how to do it responsibly.

  • Is whole life right for everyone?

    Not always. It’s ideal for those seeking long-term stability, estate planning tools, or lifelong coverage with asset growth.

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Get a Quote

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Invest in Peace of Mind That Lasts a Lifetime

Explore whole life insurance options with Affluence Insurance Services—and build a foundation that protects and grows for generations.