Whole Life Insurance

Whole life insurance is a type of permanent life insurance coverage designed to provide protection for your family by locking in benefits that can help pay for end-of-life expenses, as well as cash value that can be accessed in an emergency. Whole life is available for people aged 45-85 (in NY, ages 50-75) only.

Whole life coverage may be right if you:

Need coverage that doesn’t require a medical exam or health questions
Have a tight budget or fixed income and need a premium that won’t increase
Need coverage for burial, funeral, or other final expenses, or to pay off debts
Would like to supplement existing insurance coverage
Want to build cash value and have access to funds in an emergency

What is included in a whole life insurance policy?

Guaranteed coverage that lasts for the rest of your life* with no medical exam

Premiums that are guaranteed not to increase

Potential cash value that grows on a tax deferred ** basis

A set benefit to be paid to your designated beneficiaries at your death

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Simple 4 step application including personal information, beneficiaries, pay and sign
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Benefit amounts: $2,000 – $25,000 (in WA, $5,000 - $25,000)
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Help protect your loved ones and yourself while growing your wealth

How is whole life different from term life?

Whole life insurance covers you for your entire life, and part of your premiums contribute to the cash value⁠ — a tax-efficient financial asset that is guaranteed to grow with payment of your premiums.4,5 Term life insurance covers you for a limited period — typically 10, 20, or 30 years­⁠⁠ — and doesn’t provide cash value.

Which other type of life insurance has cash value?

There are two main types of permanent life coverage with cash value: whole life and universal life insurance.6 Whole life premiums are fixed for life – they never go up or down. However, if you need more flexibility, a universal life insurance policy lets you adjust monthly premiums within a specific range.7

What can you do with cash value?

It typically takes a few years to grow into a useful amount, but once that happens, you can use it in a variety of ways. For example, you can take out tax-efficient loans against it, use it to help pay premiums, or even surrender the policy to help supplement your retirement income.

Deciding if whole life insurance is right for you

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Income tax-free death benefit

Wealth-building cash value

Guaranteed cash value growth

Flexible premiums

Policy loans

Cost efficient coverage

Whole Life

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Term Life

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Universal Life

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Why people choose universal life insurance:

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3800 satisfied & happy customers.

Donald hardson

CO-FOUNDER

Leverage agile frameworks to provide a robust synopsis for high level overviews. Iterative approaches to corporate strategy data foster to collaborative thinking.

Aleesha brown

MANAGER

Leverage agile frameworks to provide a robust synopsis for high level overviews. Iterative approaches to corporate strategy data foster to collaborative thinking.

Donald hardson

CO-FOUNDER

Leverage agile frameworks to provide a robust synopsis for high level overviews. Iterative approaches to corporate strategy data foster to collaborative thinking.

Aleesha brown

MANAGER

Leverage agile frameworks to provide a robust synopsis for high level overviews. Iterative approaches to corporate strategy data foster to collaborative thinking.

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There are many variations of passages of available but simply free text available in the market sit amed majority alteration in simply free text available in the market some form, by humouor.

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Frequently asked questions about whole life insurance

What’s the difference between whole life and term life?

Like whole life plans, most term life plans have a fixed premium and fixed death benefit. However, whole life provides benefits for the rest of the insured person’s life, whereas term life only lasts for a specific period of time. In addition, a whole life policy includes cash value, whereas a term life policy only includes the death benefit. On the other hand, term life has a lower premium per dollar of coverage and significantly larger death benefits are available.

What’s the difference between whole life and universal life?

Whole life and universal life are both types of permanent life insurance, so they have many characteristics in common. Both whole life and universal life provide a death benefit for the rest of the insured person’s life. The main difference is that whole life has a fixed premium and a fixed benefit, whereas universal life has more flexibility — but that flexibility also comes with more risk, as the premium might increase.

How much does whole life insurance cost?

In general, whole life is a type of budget-friendly insurance, and the premium will never increase. Your premium takes into account your current age at the time of issue, your gender, and your death benefit amount.

Is Whole Life Insurance the same as Universal Life Insurance?

No, Whole Life is not synonymous with Universal Life Insurance. Whole Life offers guaranteed coverage for your whole life, and a savings account that grows at a conservative, guaranteed rate of return (often 3-5%). With Whole Life, you typically cannot change your premiums or your coverage amount throughout your life. In addition, average Whole Life insurance premiums could be 1.5-3x higher than other Permanent Life Insurance product types for the same coverage amount. There are other types of Permanent Life Insurance products designed to cover you for your entire lifetime* and that offer more flexibility and higher cash accumulation returns, although their future performance may not be guaranteed. *Policies typically mature, meaning they pay out the benefit amount, if the policyholder lives to be 120 or 121 years old (could be shorter, depending on the policy).
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