1891 Financial Life Introduces New 3-Pay Whole Life Insurance

1891 Financial Life introduces 3-Pay Whole Life Insurance, offering lifetime protection with scheduled premium payments completed in just three years.

SCHAUMBURG, IL, UNITED STATES, October 23, 2026 /EINPresswire.com/ — 1891 Financial Life has launched its new 3-Pay Whole Life Insurance, offering a new way for individuals and families to create lasting financial protection for the people they love.

LIFETIME PROTECTION IN THREE PREMIUM PAYMENTS
3-Pay Whole Life Insurance provides lifetime coverage after scheduled premiums are completed in three years.

The product can be used to help protect a child’s future or as part of an individual’s legacy planning. An optional Guaranteed Insurability Option Rider provides opportunities for the insured to purchase additional coverage at specified dates without evidence of insurability, subject to rider terms, age limits and an additional cost.

“At 1891 Financial Life, we believe protecting the people you love is about more than preparing financially for the future,” said Lisa Bickus, CEO. “It’s about creating a meaningful life, caring for the people who matter to you and building a legacy that reflects your values. Our new 3-Pay Whole Life Insurance gives families another way to put that protection in place.”

The policy builds guaranteed cash value and may provide access to policy loans. Important to know: The 3-Pay Whole Life Insurance is a Modified Endowment Contract (MEC), so distributions – including loans and withdrawals – may be taxable and may be subject to an additional tax penalty if taken before age 59½. Remember that loans against the policy will reduce the death benefit. Consult your tax advisor.

To learn more about 3-Pay Whole Life Insurance, visit https://www.1891financiallife.com/wp-content/uploads/2026/10/Whole-Life-3pay.pdf.

ABOUT 1891 FINANCIAL LIFE
Our culture is about looking out for you, for others, for family, for the community. That is how we go “Beyond Life Insurance.”

At 1891 Financial Life, we don’t just sell policies, we offer possibilities. We take pride in giving back to the communities we serve by providing quality and comprehensive insurance solutions. We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits, along with social, educational, and volunteer programs designed to respond to community needs. Our commitment to excellence has been recognized by Forbes, naming 1891 Financial Life among “The World’s Best Life Insurance Companies” in 2023 – and for the second time, as one of “America’s Best Life Insurance Companies,” ranking #1 in Term Life Insurance for 2026.

Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs, no matter what stage of life you’re in.

DISCLAIMER: Products and features are subject to change and may not be available in all states. Product descriptions are not a statement of contract; please refer to the policy forms for full disclosure of all benefits and limitations. Guarantees are backed solely by the claims-paying ability of 1891 Financial Life. 3-Pay Whole Life Insurance ICC13WL Plan Series. Guaranteed Insurability Option Rider: ICC17RI-GIO Series. See Rider forms for details.

Lisa Bickus
1891 Financial Life
sales@1891financiallife.com

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