Grow money over time for
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With Everly Life™, protection is just the beginning. Get a safe and tax-favored way to grow long-term wealth that can be used for whatever you want.

Plans start at $15/month

Memento display shelf highlighting important lifetime memories such as vacations, professional achievements, and college graduations.
Memento display shelf highlighting important lifetime memories such as vacations, professional achievements, and college graduations.
Why save with Life insurance?

Everly Life is a long-term savings tool that feels just right.

Graph demonstrating traditional savings growth with a minimal growth incline over time.

Traditional Savings:

Low risk, low return.

Average accounts offer 0.08%⁶

Graph demonstrating Everly Life savings growth with a moderate growth incline over time.

Everly Life:

Low risk, 4% interest.²

Guaranteed never to drop below 1%.²

Graph demonstrating unregulated crypto currency with volatile and unpredictable growth over time.

Unregulated Crypto:

High risk, uncertain return.

Investments can easily turn into $0

How Does My Money Grow?

Reach your goals faster with 4% current interest.

Graph demonstrating Everly's lifetime protection (up to age 121) compared to 30, 20, and 10-year term protection periods.

Chart assumes an average $50/mo contribution over 20 years.
*National Average Savings Account rate 0.08% as of 6/21/2022. Source
**20 Year Treasury Bond Yield rate 3.35% as of 7/1/2022. Source
***The 4% current interest is guaranteed for the first policy year and subject to change on policy anniversaries thereafter. Guaranteed Minimum Interest Rate is 1%.

How Does My Money Grow?

Reach your goals faster with 4% current interest.

Everly Life can help build savings over time. Add money to the monthly payment and it can grow with compound interest tax-deferred. And with a current interest rate of 4%,* wealth can build quicker compared to traditional savings options.

How can I access my money?

Tax-free withdrawals and loans make accessing your money easy.

Bar graph demonstrating two options for accessing money, withdrawals and loans.
How can I access my money?

Tax-free withdrawals and loans make accessing your money easy.

There are two tax-advantaged access options for an Everly Life policy:

  • Withdraw up to the total amount of payments, tax-free.*
  • Borrow up to the total account value with a tax-free loan (as long as the policy is active).

*Withdrawals of any amount up to the total account value can be made, but any amount in excess of the total payments may result in taxes.

How does Everly Life compare?

Your money is more accessible than other traditional investments.

Purpose
Pre-Tax or After Tax
Penalties for Early Access
Taxes Due
Tax-Free Loans
Contribution Limits
Everly Life
Flexible
After Tax
None
Only if withdrawing more than your cumulative payment amount
Yes
Yes
Savings Account
Flexible
After Tax
None
Yearly
No
No
Individual Stocks
Flexible
After Tax
None
At sale, if gains are realized
No
No
CD
Flexible
After Tax
Yes
At maturity
No
No
529 Plan
Education Only
After Tax
Yes, on gains
Only if for non-qualified purposes and withdrawing more than your cumulative payment amount
No
Yes
Roth 401(k)
Retirement Only
After Tax
Yes, on gains
Only on early withdrawal
Restricted
Yes
Traditional 401(k)/IRA
Retirement Only
Pre-Tax
Yes, on all
When accessing any amount
Restricted
Yes

Other vehicles may have additional restrictions on withdrawals and potential tax penalties. Consult with your tax advisor for more information.

When should I use my money?

This is money made for living.

Camping van driving towards a horizon on an alpine highway.
When should I use my money?

This is money made for living.

Use the money in an Everly Life policy for exactly what you need — with no hidden fees, no hassle, and no penalties for withdrawing money at any age. That means it’s here to help you live your best life, right here on Earth.

GET MORE WITH EVERLY LIFE

Everly Life bundles long-term growth with protection.

With Universal Life, get tax-advantaged benefits from both insurance protection and savings growth for when life goes according to plan — and when it doesn’t.

No email or payment info required.

Here are some commonly asked questions about growth.

Read more FAQsForward

1. With Everly Life, you can save while interest is added to your Account Value tax-free. Learn more about the tax benefits of Everly Life as well as accessing your money through withdrawals and loans.
2. The 4% current interest is guaranteed for the first policy year and subject to change on policy anniversaries thereafter. Guaranteed Minimum Interest Rate is 1%.
3. You can adjust your Everly Life coverage as your life changes. Learn more about adjusting your coverage.
4. Life isn’t always constant. Learn more about how you can adjust your Everly Life payment.
5. Everly Life allows you to cancel and take your savings with you – with no fees. Learn more what happens to your account value if you cancel.
6. National Average Savings Account rate 0.08% as of 6/21/2022. Source.
7. Not available in all states and riders may vary by state

Insurance exclusively made available through Everly, LLC. Everly, LLC does business in CA, GA, NJ, PA, TX, UT, and VA as Everly Agency Insurance Solutions, LLC. Everly offers insurance issued by Security Benefit Life Insurance Company (SBL), Topeka, KS. SBL is not licensed to transact business in New York. View Everly and SBL license information.

Everly Life is a flexible premium adjustable life insurance policy issued on policy form ICC20 SBUL 100 (8-20); SBUL CA 100 (8-20); SBUL FL 100 (8-20); and SBUL 100 (8-20). Learn more about what riders are available with Everly Life. Click on Licenses to learn more about where Everly Life and its riders are available. Everly Life’s guarantees are subject to the financial strength and claims paying ability of SBL. SBL and Everly, LLC are not fiduciaries and the information provided is general in nature, is not tailored to your needs, and is not intended to be investment advice.

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