If you have a long term need for life insurance, Alfa offers permanent insurance coverage designed to cover you for your entire life. As long as you make the premium payments, the coverage will be there when you die.

Your permanent policy can build substantial cash value. This cash value can be borrowed and used for anything you wish. Many permanent life policies also include accelerated death benefits that help by providing advanced funds if the insured is diagnosed with a terminal illness. Permanent life plans include:

• Interest sensitive whole life - One of Alfa's most popular permanent life plans, interest sensitive whole life offers a cash accumulation feature that earns interest according to our declared current rates. As the cash accumulation value grows, excess interest earnings can be used to pay premiums for you. So it’s the best of both worlds for you - current yields, traditional guarantees and the simplicity and protection of a whole life policy. This policy is issued for ages 0-75.
  
  
• Ordinary life - This affordable policy is often used for medical expenses or burial costs. With a simplified underwriting process, this policy has no medical exam requirements. This policy is issued for ages 15-80.