If you’re looking for the best of both worlds – insurance protection and cash value accumulation – Interest Sensitive Whole Life insurance may be the perfect product for you. It combines a tax-free death benefit with guaranteed cash values, competitive interest rates and tax-deferred earnings, and it responds more quickly to interest rate changes than dividend-paying products.

Advantages

Guaranteed, tax-free death benefit
Your guaranteed death benefit remains level over the life of the Interest Sensitive Whole Life certificate. Your surviving beneficiaries receive this benefit income tax-free.  

Guaranteed level premiums
With this product, your premiums remain level throughout your lifetime, making it easy to plan for the future.  

Competitive interest rates
Interest Sensitive Whole Life insurance earns a competitive interest rate based on Modern Woodmen’s investment experience and current economic conditions.  

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.  

Available withdrawals
After the first year, you may make partial withdrawals.

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