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Whole Life Insurance

Find affordable insurance made simple: no medical exam, lifelong coverage, guaranteed cash value, and you can get approved in minutes.
Start the Coverage Quiz
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Lifetime protection you can count on

Whole Life Insurance is permanent coverage that never expires, never increases in price, and builds real cash value over time. If you want protection that lasts as long as you do, and an asset you can actually use while you're alive, this is how you get it.
$35M
in benefits paid last year
47%
of Americans say their household would struggle to pay living expenses within six months if the primary wage earner died.
Source: 2025 Life Insurance Barometer Study, LIMRA
Our Features
  • glance icon 01
    Flexible benefits and affordable rates
  • glance icon 02
    Coverage starting around $3 per week
  • glance icon 03
    Immediate coverage
Start the quiz to determine which type of coverage is best for you
Start the Coverage Quiz
What is covered
Who is it for
Why it matters
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What is covered

What does whole
life insurance cover?

Whole Life Insurance provides lifelong coverage that helps protect your loved ones financially when you pass away. The death benefit can help cover funeral expenses, medical bills, outstanding debts, and other financial obligations. In addition, whole life insurance builds cash value over time that you may be able to borrow against if needed.
  • Provides lifelong coverage that does not expire as long as premiums are paid
  • Helps cover funeral expenses, medical bills, and outstanding debts
  • Builds cash value that can be accessed during your lifetime through policy loans
Who is it for
Why it matters
For as little as $3 per week

For as little as $3 per week

protect your family's financial future
Get a Quote
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Hear from real families about real coverage

Choosing life insurance was one of my best decisions. It offers peace of mind but also acts as a smart investment for building wealth. This policy is a vital step towards a brighter future for my child.
Trisha M Policyholder

What makes FSP different?

AA mom dad and daughter

Trusted for over 50 years

For decades, The Family Security Plan has helped working families access affordable insurance protection and financial security.
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We're with you every step of the way

We don't just sell you a policy, we're here to answer your questions and make sure you feel confident every step of the way.
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Simple, affordable, no medical exam

No hoops, no complicated process, just straightforward protection that's easy to understand and built around the way real families actually live.

Ready to get started?

Start the Quiz Get a Quote

Is whole life insurance the right fit for me?

Watch video Whole Life Insurance
Whole Life Insurance
Video

Whole Life Insurance

2:20 min Whole Life
If you’re exploring whole life <br/>insurance, you’re not alone.

If you’re exploring whole life
insurance, you’re not alone.

Our resources can help you better understand your options and make informed decisions.
Go to Education Hub

Common questions about whole life insurance

Protection you can feel confident about

Purchasing whole life insurance through The Family Security Plan was one of the best financial decisions I've made for my family. The process was simple, my coverage fit my budget, and I have peace of mind knowing my loved ones will be protected no matter what the future brings. It's reassuring to know I'm building lifelong protection while taking care of the people who matter most.
Sarah M. — Policyholder
As a parent, protecting my family is one of my biggest priorities. Whole Life Insurance gives me confidence that if something happens to me, my family will have financial support during a difficult time. It feels good knowing I planned ahead.
David L. — Policyholder
I always assumed life insurance would be expensive, but I was surprised by how affordable whole life coverage was. It fits comfortably into my monthly budget, and knowing my family has financial protection gives me confidence every day.
Michael R. — Policyholder
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Your family deserves coverage that lasts

Let's find the right fit for yours.
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What best describes your current life situation?
How old are you?
Are you currently employed?
What is your biggest financial concern if something unexpected happened?
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Which of these apply to your current situation?
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How long do you need coverage?
Would you like to cover anyone else in your family?
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How would you describe your lifestyle?
What matters most to you in an insurance plan?
What weekly budget are you comfortable with for insurance?
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    What’s your age range?
    Do you support children, a spouse, or other family members?
    Have you had a big life change lately?
    What best describes your job situation?
    Do you or your spouse work in a high-risk job?
    (for example a firefighter, police officer, construction worker, etc.)
    How long could your household stay afloat if your income stopped?
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    Do you have emergency savings set aside?
    Do you have life or supplemental insurance through work or elsewhere?
    Will your insurance coverage continue if you leave your job or retire?
    Have you reviewed your insurance in the past year?
    Do you have any major debts?
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    Are you concerned about losing income if you couldn’t work?
    What types of insurance are you open to learning more about?
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      Credit Union Health
      We innovate from within, embracing needed change with speed and implementing new ideas as part of a formal strategic plan.
      Are your ideas truly inspired from within your team? Does implementation happen, or do great ideas stall between inspiration and execution?
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      Our third-party relationships are genuine strategic partnerships that advance our long-range and short-term strategies.
      Do your partners bring measurable value beyond their product or service, or do they simply fill a line item in the budget?
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      Credit Union Health
      Our leadership team holds itself and our teams accountable to clear, measurable goals, and everyone knows the numbers.
      Does the team know what is expected? Do they solve their own problems, or rely on the CEO to come up with solutions? Does everyone know and can recite the credit union's overall goals?
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      Channels Of Access
      We proactively reach out to our membership through outbound calling, email campaigns, and community outreach rather than waiting for members to come to us.
      Industry data shows only 30% of loan origination comes from proactive channels. Where does your credit union stand? Insurance is 95% proactive: how proactive are you?
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      Our Business Development Team systematically visits employer groups and intentionally builds lasting relationships with key contacts throughout.
      Is your BD team held accountable to visits and results? Are contacts tracked continuously, not just when a position turns over?
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      Our online and mobile banking, social media, and email marketing actively generate interest in products and services, pointing members toward educational content and referrals.
      Do you have your own content or do you pull from outside? Is it personalized and segmented by member life cycle, or are you still sending blanket messages to your entire membership?
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      Our branches and contact center are optimized to educate members and generate meaningful cross-selling results, not just service transactions.
      How is cross-selling measured? Is it consistent across the team, or dependent on a few top performers? Does everyone know the numbers, and are those numbers celebrated?
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      We have a systematic outbound engagement program that builds trust before the call, uses member data to personalize each conversation, and produces measurable results.
      Is it truly systematic, or occasional and one-off? Do you warm up the call with personalized emails first? A program that runs occasionally produces occasional results.
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      Our member engagement conversations consistently lead to action - members participating in appropriate products and services - and we track and celebrate those results.
      What is the desired call to action on each engagement, and is it consistently measured? Are the actual results meeting the purpose of the program?
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      We measure the critical metrics of our engagement program - loan conversions, cross-sell results, retention rates - and use that data to make real decisions.
      Can you show the results of your engagement program right now in a report, not an estimate? A program without data is a program running on belief.
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