Whole Life Insurance
Permanent coverage with a fixed premium and a death benefit that does not shrink. It builds cash value you can borrow against.
Who it fits
- You want coverage that lasts your whole life, not a term
- You want a premium that never changes
- You want a policy with cash value behind it
- You are covering a mortgage, a spouse, or an estate
What to know
- Coverage amounts
- $10,000 to $250,000 or more, depending on carrier and health
- Medical exam
- None for simplified issue. Larger amounts may require one.
- Premiums
- Fixed for life.
- Cash value
- Grows at a guaranteed rate. Can be borrowed against.
- Coverage length
- Lifetime.
How we help
- 01
We quote across carriers so a health condition that one company rates up, another may not.
- 02
You see the premium for several coverage amounts before you commit to one.
- 03
We stay your agent after the policy is issued. Beneficiary changes, payment updates, questions.
Whole life questions
Whole life or term?
Term is cheaper for a large amount over a set number of years. Whole life costs more per dollar of coverage but never expires and builds cash value. Many people carry both.
What happens to the cash value when I die?
The beneficiary receives the death benefit. Cash value is part of the policy while you are alive, available through loans or surrender.
Can I change the amount later?
You can usually reduce coverage if the payment becomes hard to carry. Increasing it means a new application.
Also in Life Insurance
Get a whole life quote
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