If you’d like to maximize cash value accumulation, while protecting your loved ones in the event of your death, Modern Woodmen’s E96 whole life insurance may be right for you. Though it includes death benefit coverage, E96 emphasizes dividends and tax-deferred cash value accumulation, so you can build funds for retirement or other future needs.  

If you’d rather maximize your death benefit for each premium dollar you pay, Modern Woodmen’s LP98 whole life insurance may be a better choice for you.

Advantages  

Cash accumulation and guaranteed rates
Interest on the cash values generally accumulates on a tax-deferred basis and is guaranteed to never go below 4 percent. Usually you pay no taxes unless you withdraw money and then only if you withdraw more than the premiums you have paid.  

Dividends
Returns that exceed your guaranteed interest rate are paid as dividends, which can be accumulated at interest, distributed as cash, used to purchase additional paid-up insurance or used to reduce future premiums.  

Guaranteed level premiums
You can plan for the future with certainty because premiums won’t increase as you grow older.  

Guaranteed death benefit coverage
With E96 whole life insurance, your guaranteed death benefit remains level over the life of the certificate.  

Immediate fund availability
Funds will be available for your loved ones immediately upon your death, and your death benefit can pass to your beneficiaries free of income taxes without having to go through probate or estate administration.  

Safety
Regardless of what happens to the economy, your plan is fully secured by the assets of Modern Woodmen.