Get Your Whole Life Insurance Quote

 Whole life insurance is a permanent policy that provides lifelong coverage as long as premiums are paid. It also builds cash value over time, which you can access while you’re still alive.

Term life covers you for a set period (10, 20, or 30 years), while whole life insurance lasts for your entire lifetime and includes a cash value component that grows tax-deferred.

Whole life insurance typically costs more than term insurance because it guarantees a payout and includes a savings feature. Your premium depends on factors like age, health, gender, and coverage amount.

 Cash value is a built-in savings feature of whole life insurance. It grows at a guaranteed rate, tax-deferred, and you can borrow against it, withdraw it, or use it to pay premiums.

No. Whole life insurance comes with level premiums that stay the same for the life of the policy, even if your health changes.

If you stop paying, your coverage may lapse. However, depending on the policy, you may have options such as using your cash value to keep the policy active for a certain period.

Yes. You can take out a policy loan, withdraw funds, or use the cash value to pay premiums. However, loans and withdrawals may reduce your death benefit.

The death benefit is paid out tax-free to your beneficiaries. Cash value growth is tax-deferred, but withdrawals or loans may have tax implications depending on how they’re structured.

Whole life insurance is a good fit for those who want lifelong protection, a guaranteed death benefit, predictable premiums, and a policy that builds cash value for future financial needs.

You’ll start by sharing a few personal details, then compare options from leading insurers. Some policies may require a brief medical exam. With guidance from a licensed advisor, the process is simple and stress-free.