The Security Advantage: Trust, Respect, Integrity


An asset with more options than a new car!

  • Competitive Rate of Return
  • Guarantees
  • Tax-Deferred Growth
  • Asset Protection 
  • Tax-Free Benefits*
  • And More!


Golden Life Group is committed to conducting business according to high standards of fairness, honesty and integrity. This guiding philosophy, combined with sound investment and management practices, enables the company to keep its commitments and earn the public’s confidence, year after year.

This information is intended for general information purposes or to support the promotion or marketing of Golden Life Group's products and does not constitute legal or tax advice. Tax laws are complex and subject to change. The information presented is based on current interpretation of the laws. 

This publication is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties that may be imposed on the taxpayer under the Internal Revenue Code or any other applicable tax law. Taxpayers are advised to seek tax advice based on the taxpayer’s particular circumstances from an independent tax adviser. 

This strategy may not be appropriate for everyone. Results will vary based

on individual factors and policy performance.

This publication describes the features of whole life insurance paid-up at age 85 in general terms. This is not a policy. In the event of a conflict between the terms outlined within and the policy, the terms of the policy will control. Product, features and benefits may not be available in all states.


While every asset has advantages and fulfills a function toward reaching financial goals, there is one asset that can play several roles. The current economic environment has created a demand for assets with a competitive rate of return, contractual guarantees and the advantages of tax- deferred growth. This asset offers these features. Additionally, when you follow the rules, this asset can provide creditor protection in many states, tax-free access to your funds* and income-tax-and estate-tax-free benefits for your heirs.

The asset is WHOLE LIFE insurance. You may be more familiar with Term Insurance. Term Insurance generally offers only a Death Benefit. Whole Life is a permanent life insurance product and has two parts: A Death Benefit and Cash Values.

You may access the Cash Values in a whole life policy for any purpose, including to take advantage of an investment opportunity. Loans and withdrawals may be used to cover whatever need you may have–even buying a new car. Imagine borrowing from your own policy instead of your bank. For the best policy performance, the loan is repaid to the policy, and the policy values continue to grow. At retirement, the cash values may be used to supplement retirement income on a tax-free basis*.

Compare the advantages of a Whole Life insurance product with other financial assets. While the other assets play a role in a balanced financial plan, the advantages of a Golden Life Group whole life policy make it an asset with “Flexibility You Can Choose.”

If you are interested in learning more, please contact us  to obtain an illustration based on your personal data and circumstances.

*If the policy is structured properly, the cash value can be accessed tax-free through a combination of withdrawals and loans. Loans and withdrawals reduce the available death benefit and cash value. Policies owned by a Qualified Pension Trust are subject to special rules.

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please contact us to obtain an illustration based on your personal data and circumstances.

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Golden Life Group

(516) 315-3197