Permanent Life Insurance

Is Permanent Life Insurance right for you?

Permanent life insurance offers protection that will last your entire life, rather than for a temporary period of time.

In addition to lifelong protection, permanent life insurance offers living benefits that can help you during your lifetime. Unlike term insurance, permanent insurance is a value builder. Both guaranteed cash values and non-guaranteed cash values build up, tax deferred, over the years, and you can put them to work in a number of ways.

We’re able to offer life insurance in Medford, Oregon through our main headquarters as well as in Grants Pass, Beaverton, and Lake Oswego. But we’re not limited to our regions. We have clients across Oregon who prefer our original approach to offering insurance.

Compare Plans

Not sure it’s right for you?

Check out our Term Life plans for more affordable coverage.

Permanent Life Overview

Permanent Life is good for:

  • Life long protection
  • Dividends that can be applied toward premium payments
  • Eliminated the problem of future insurability
  • Builds cash value that you can borrow against for life expenses

Rates are affected by:

  • Age
  • Gender
  • Health
  • Smoker or non-Smoker
  • Amount of coverage required

More Insurance FAQs

How much coverage do you need?

Use this calculator from LIFE to answer this complex question.
Open Calculator

Did you know?

Permanent life insurance builds cash value. This amount — part of which is guaranteed under many policies — can be used in the future as you wish.

Permanent Life Insurance Education

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Education Overview

Life insurance is complicated. In order to make to right selection you need to consider your situation. Are you looking for coverage for your lifetime, or just a specific period? How much coverage will you need to protect your family when you’re gone?

Review our FAQs and use our Life... More

Permanent Life Insurance Information

From Insurance Lounge

Permanent Life Insurance FAQs

7.18.13 – From Insurance Lounge

The Ultimate Guide To Buying Life Insurance

6.1.12 – From Insurance Lounge and NAPS

Choosing Life Insurance

6.1.12 – From Insurance Lounge and NAPS

Life Insurance: Who Needs It?

10.25.10 – From

For the Sake of Your Loved Ones, Get Life Insurance

Still Have Questions?


Oregon Insurance Company: Beaverton, Grants Pass, Lake Oswego & Medford

Insurance Lounge is committed to bringing simplicity back to insurance shopping. With our interactive retail environment and free online resources and quotes, we’re here to serve and educate you. Our agents aren’t incentivized by commission, and therefore are able to give you objective recommendations on permanent versus term life insurance. Learn more about the insurance types we offer: