Single-Premium Whole Life insurance is a powerful but underutilized financial tool for nonprofits. It provides nonprofits a tax-efficient way to build capital while benefiting from guaranteed growth and liquidity. Nonprofits can use the policy’s cash value as collateral or borrow against it for funding, offering flexibility without jeopardizing their financial position. The use of whole life insurance ensures long-term sustainability, enables mission-focused activities, and shelter nonprofit organizations from financial risks.