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You may not have a green thumb for life insurance. But we do.

We can help you understand what you need to know to make the right decisions for your family.

Whole Life Insurance

Intro to Whole Life Insurance

Whole life insurance gives you permanent protection for the rest of your life (as long as your premiums are paid).

Whole life is a good choice for those who want:

Consistent Premiums

Premiums are guaranteed not to change.

Cash Value

It's a policy with a cash value that increases over time.

Tax-free Death Benefit

Death benefits are paid income-tax free1.

Loans & Withdrawals

You have the opportunity to take loans or withdrawals from your policy’s cash value.

How it works

COUNTRY Financial has five ways you can choose to pay for your policy, and you’ll choose the amount of your death benefit too. We also offer many different coverage choices so you can customize your policy to fit your life. 

Executive Whole Life

Make equal premium payments up to age 95 with a policy that continues to increase in value over time. And the younger you are, the lower your premiums will be.

10-Pay Life

Life-long protection paid for in 10 years. This is a good policy to help with your business continuation needs if you own a business.

20-Pay Life

Life-long protection paid for in 20 years. This is a great choice if you want to make premium payments during working years with no further payments after you retire.

Life Paid-up at 65

With equal premium payments made up to age 65, this could be an excellent way to have a paid-up policy in retirement. 

Single Premium Whole Life

One lump sum payment provides a paid-up policy which can be given as a gift to a child, grandchild or other heir; a great way to transfer tax-advantaged money to the next generation.1

Coverage Options

To customize your whole life insurance, we offer a number of additional coverages at an added cost. (Not all options are available on every policy type.) We can help you understand your choices to find the right fit for you and your family.

Child Term Insurance

Provides up to $25,000 of term insurance for all of your children age 0-17, with the opportunity to convert the coverage to permanent life insurance at age 23 without a medical exam.

Term Insurance for You or Your Spouse

Adds 10, 20 or 30-year term life insurance to your whole life policy for you or your spouse, which can be converted to a whole life policy later without a medical exam.

Accelerated Benefit if you become terminally ill

Allows you to use up to 50 percent of the policy’s death benefit (up to $250,000) while you’re living if you’re terminally ill, and still provides a reduced death benefit for your loved ones. There is no added cost for this benefit.

Paid Up Additions

Provides the opportunity to purchase additional paid-up whole life insurance. 

Guaranteed Insurability

Guarantees you the right to purchase additional whole life insurance protection within specified limits every three years, between 22 and 43 years of age, regardless of your health. 

Accidental Death Benefit

A specified additional amount will be paid if you die as a result of an accident prior to age 70. 

Disability Waiver of Premium 260

If you become disabled before age 60, this waives your whole life premiums for up to two years if you can’t work in your own occupation.  It will continue to waive the premiums until age 95 if you are unable to work in any occupation due to your disability. 

Disability Waiver of Premium 565

If you become disabled before age 65, this waives your whole life premiums for up to five years if you can’t work in your own occupation. It will continue to waive the premiums until age 95 if you are unable to work in any occupation due to your disability.

Long Term Care Accelerated Benefit

If you become chronically ill2, this coverage will pay a monthly benefit while you need it.3 The total amount available for long term care is equal to the original death benefit amount of the whole life insurance policy. This can be used as a main source of long term care coverage or as a supplement to an existing long term care policy.

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Policies issued by COUNTRY Life Insurance Company®, Bloomington, IL.

The information and descriptions contained here are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. The precise insurance coverage under any COUNTRY Life insurance product is subject to the terms, conditions and exclusions in the actual policies as issued. Products and services described in this website vary from state to state and not all products, coverages or services are available in all states.

1COUNTRY Financial and our representatives cannot give tax advice. Any information we provide reflects our understanding of current tax laws, which are subject to change and reinterpretation.

2You must be certified by a licensed healthcare practitioner as being chronically ill.

3This option is called the Chronic Care Accelerated Benefit in Oregon.



Form Number

Whole Life Policy


Single Premium Whole Life


Accelerated Benefit

AB(12/04); in OR, AB(OR12/04)

Term Life Insurance: Spouse Rider


Term Life Insurance: Insured Rider


Child Term Rider


Accidental Death Option


Payor Death Waiver of Premium Rider


Disability Waiver of Premium Benefit


Paid-Up Life Insurance Rider


Guaranteed Insurance Option Rider


Long Term Care Rider

In ID: LTCAB(ID03/06), RLIB(03/06), WPRLIB(03/06)
In OK: LTCAB(OK03/06), RLIB(03/06), WPRILIB(03/06)
In TN: LTCAB(TN03/06), RLIB(03/06), WPRLIB(03/06)