Permanent Life Insurance

Taking care of your family financially when you die will reduce their suffering.
No delay in payout
Cover funeral expenses & other debts
Guaranteed for life

 Instant, online, in minutes

WHOLE LIFE INSURANCE
What is Permanent Life Insurance?

Whole Life Insurance is permanent. You never have to renew so you can always count on it, regardless of your age and health status. Cash value grows over time and is tax-free. If you want insurance and you don’t ever want to have to worry about it again, this is the option for you. It does not expire.

What are the different types of Whole Life Insurance?

Stepped Premium Insurance

These life insurance plans offer a premium based on your age, which is recalculated, generally annually, based on your age and health.

Life Term to 100 Insurance
These plans are paid until the age of 100, but the coverage lasts for a lifetime. As with level premium insurance, payments never increase as you age. These plans also provide a tax-free cash benefit to the designated beneficiary upon the insured’s death.

More about Life Cover + Quick Payout

Universal Life Insurance
Universal life insurance is a life insurance plan that is combined with investment options for growing savings. Any deposits into the account beyond the payment amounts are invested or used to increase the guaranteed death payout to the assigned beneficiaries.

More about claims & payouts

Level Premium Insurance
Whole life insurance plans have a set premium that remains constant until death, with a higher starting premium than stepped premium insurance plans, but with a high potential for overall savings as you age.

More about Life Cover + Quick Payout premiums

Hybrid Life Insurance
Hybrid life insurance combines long-term care coverage with typical life insurance. If the insured dies before requiring long-term health care, the money saved towards it goes to their beneficiaries, but if they do require long-term health care, the money can be used to pay for it.

More about the coverage

INSURANCE OPTIMAL

Guaranteed, Life Long Insurance

With most Whole Life Insurance plans your premiums do not change, and a cash value can be added to your plan as well if you choose.
WHY BUY THROUGH INSURANCE OPTIMAL?
Simplified Life Insurance that Works
Life Insurance should free you to live your life. We offer numerous conveniences:
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Initiate your application in the comfort of your home
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Online support when you require it
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We help you sift through the jargon
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No delay in coverage beginning
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Insurance at affordable rates
SUPPORT
Not sure what insurance you need? We can help.
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Willing to answer a few questions?
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Talk to us about options and a quote
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Begin coverage immediately or save for later
 100% no obligation to accept.

Get Life Insurance to take care of Your loved ones Income Protection Financial Security Wealth Creation Funeral Expenses And Much More...

World-class coverage that rewards you with
wealth while you’re alive.