Coverage for your whole life.
Permanent coverage with level premiums and guaranteed cash value growth.
What's covered.
Every policy is tailored with an agent. Here's an overview of the core protection available.
Death benefit
A tax-advantaged payment to your beneficiaries.
Living benefits
Some policies allow access to benefits during a qualifying illness.
Cash value
Permanent policies build value you can borrow against.
Riders
Add waiver of premium, child term or accidental death coverage.
Make it fit your life.
- Level or decreasing term
- Return of premium
- Child term rider
- Accelerated benefit rider
Better with COSPARK membership.
- Coverage options for every stage of life
- Help choosing the right amount
- Earn Insurance Tokens on eligible annual premium
- Beneficiary support from a dedicated agent
Frequently asked.
How much does whole life coverage cost?
Pricing depends on your location, history, the coverage you choose and your deductible. Start a quote and an agent will compare options for you.
Can I bundle whole life with other policies?
Yes. Bundling two or more eligible policies usually lowers your total premium and keeps everything in one member dashboard.
Do I earn COSPARK tokens on this policy?
Associate members earn Insurance Tokens equal to 5% of eligible annual premium, and Premium members earn 7%. Free members don't earn tokens. If a policy is cancelled mid-year, that year's Insurance Tokens are forfeited.
How do I file a claim?
Report a claim online any time from the Claims page or your member dashboard. Logged-in members have their policy details filled in automatically.
Ready to price whole life coverage?
Get a quote online or talk to a licensed COSPARK agent.