Permanent Life Insurance

Find out how M&T Securities, Inc. insurance solutions can help provide for your family’s future financial needs.

How It Works

Permanent Life Insurance is designed to offer lifetime coverage that – unlike Term Life Insurance – does not expire after a pre-specified term. The policy remains in effect as long as premiums are paid according to the contract.

Permanent Life Insurance may be used to help:

  • Fund the living expenses of surviving family
  • Pay debt such as mortgages or credit card
  • Fund estate planning
  • Keep a small business financially viable

Advantages of Permanent Life Insurance

Permanent Life Insurance may offer the following advantages:

  • Tax-free death benefit paid to the beneficiaries
  • Estate planning
  • Designed to o​ffer lifetime coverage

Types of Permanent Life Insurance

Contact M&T Securities to get more details about the types of Permanent Life Insurance available, including:

  • Whole Life
  • Universal Life
  • Variable Life
  • Single Premium Life​



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Permanent Life Insurance may not be appropriate for everyone. Speak with an M&T Securities Financial Consultant to see if Permanent Life Insurance makes sense for you.
Cash value of a life insurance policy should not be considered an investment. Any partial withdrawals or a loan that you do not pay back reduce the death benefit. Loans or withdrawals in excess of the premiums you paid may be taxable. If your policy lapses with a loan outstanding, the amount of the loan may be considered taxable to you.
Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Lose Value​​​​​
Brokerage services and insurance products are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank.
M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.
The content of this page is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.