Whole Life Insurance in Texas

Lifelong protection that grows with you.

Whole life insurance offers more than just a death benefit—it’s permanent coverage with built-in savings you can tap into during your lifetime. At Tatum Insurance Group, we help families across East Texas choose whole life policies that fit long-term goals, provide peace of mind, and leave a lasting legacy.

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More than a policy—it’s a plan.

Unlike term life, whole life policies never expire as long as premiums are paid. They build guaranteed cash value over time and can serve as part of your long-term financial strategy. Whether you're planning for retirement, leaving something behind for loved ones, or covering final expenses, we’ll help you decide if permanent life insurance is the right fit.

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Coverage That’s Built to Last

Whole life policies pay a guaranteed death benefit and include a cash value component that grows over time. They’re ideal for those wanting stability, long-term planning, and coverage that doesn’t expire.

Lifelong Coverage

No term limits—your policy stays active for life as long as premiums are paid.

Cash Value Accumulation

Builds savings you can borrow against or use later in life.

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Fixed Premiums

Rates stay consistent, so your costs don’t increase with age.

Final Expense Options

Smaller policies available for covering burial and end-of-life costs.

Got questions about whole life insurance in Texas?

  • What are the benefits of whole life vs. term?

    Whole life lasts forever and builds cash value, while term life is temporary and usually doesn’t accumulate savings. We’ll help you compare.

  • Can I access the cash value during my lifetime?

    Yes—you can borrow against it or withdraw funds for emergencies, education, or retirement.

  • Is whole life insurance worth it?

    It depends on your goals. If you want permanent coverage with long-term financial benefits, it can be a great fit.

  • What’s final expense insurance?

    It’s a type of smaller whole life policy meant to cover funeral costs and medical bills. Ideal for seniors or those wanting a simple, affordable option.