Coverage that lasts as long as you do.
Permacare builds permanent life insurance around your family — one rate, locked in for life, with cash value that grows while you're still around to use it.
Term insurance runs out. This doesn't.
Most life insurance is built to expire — a 20 or 30-year term that quietly ends right when you might need it most. Permanent coverage is built to do the opposite.
Locked in for life
Your rate is set the day you're approved. It doesn't rise as you age, and it isn't reviewed again — even if your health changes later.
Cash value that grows
Part of every payment builds savings inside your policy, growing tax-deferred, that you can borrow against while you're still living.
No expiration date
As long as you keep the policy funded, it stays in force. There's no countdown clock, no renewal, no re-shopping in your 60s.
Three steps, one conversation to start.
Quick conversation
A 15-minute call about your family, your budget, and what protection actually makes sense right now.
Matched to a carrier
Harmon shops your case across top-rated insurers to find the strongest rate for your health and goals.
Locked in for life
Once approved, your rate and coverage are permanent. Nothing changes again unless you want it to.
Term vs. permanent, in plain terms.
Both have a place — which one fits depends on your budget and how long you need protection. Here's the honest breakdown.
Lower cost, for a set number of years
- Lowest starting cost for the most coverage
- Good fit for covering a mortgage or income years
- Coverage ends when the term ends
- No cash value built up
Higher initial cost, coverage for life
- Rate is locked in and never increases
- Builds tax-deferred cash value over time
- Never expires as long as it's funded
- Can be borrowed against while you're living
Ready to see what your rate looks like?
One short call is all it takes to find out what you qualify for. No pressure, no obligation — just real numbers.