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Whole Life Insurance

Whole life insurance is a permanent life plan that provides coverage throughout your entire life. The premiums tend to cost more than a term plan would, but getting this insurance plan may be beneficial in the long run. Whole Life is 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.

How Whole Life Works

Your whole life insurance rates are determined by your age, medical history, and coverage goals. These factors allow us to create a plan that suits your needs best. Once decided, the premiums are fixed throughout your plan and the death benefit is certain. Some insurance companies allow you to make payments monthly, quarterly, or biannually.

In-Home Consultation
Closeup of two older people

Main Whole Life Benefits

  • 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

  • You may also be able to access the cash value of your plan before it expires

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