Whole Insurance

Best for people who need a permanent life insurance plan where premium payments are flexible and death benefits are adjustable.

  • Provides a guaranteed death benefit and guaranteed tax deferred build up of cash value with level policy premiums.
  • Level premiums initially higher than with term and universal life policies of similar coverage amounts.
  • Does not have flexible premiums.
  • Policy performance directly related to performance of the insurance company's dividends.
  • Ability to stop paying the premium and use the value to purchase other forms of coverage once the policy becomes self sustaining (occurs in different years with each carrier).
  • Lifetime protection.
  • Withdrawals or tax-free loans available.
  • Income tax-free death benefit to family.
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Bethpage Federal Credit Union and Bethpage Financial Group are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Bethpage Financial Group, and may also be employees of Bethpage Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Bethpage Federal Credit Union or Bethpage Financial Group. Securities and insurance offered through LPL or its affiliates are:

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