Life Insurance
Whole Life Insurance, explained.
Lifelong coverage with guaranteed cash value you can borrow against.
Whole Life Insurance
Whole Life is permanent insurance with level premiums, a guaranteed death benefit and a guaranteed cash value that grows tax deferred. Cash value can be borrowed against during your lifetime.
Inside a Whole Life policy.
Guaranteed lifelong death benefit
Guaranteed cash value growth
Level premiums for life
Policy loans against cash value
Optional dividends (participating policies)
Living benefit riders
Is this for you?
Families seeking permanent coverage
High earners who have maxed other tax advantaged accounts
Business owners using whole life for buy sell or key person
Estate planning clients
Anyone wanting guaranteed cash value growth
Plain language answers.
Whole life or term?
Term for temporary needs at low cost; whole life for permanent needs and long term cash value. Often a blend is best.
How much does the cash value grow?
Slowly at first, then steadily, guaranteed by the carrier, often supplemented by dividends from participating insurers.
Can I borrow without paying back?
Loans don’t require fixed repayment, but unpaid balances reduce the death benefit.
Coverages that pair well with this one.
Ready for a Whole Life quote?
A short form or a quick call. We’ll shop it across 50+ carriers and come back with options.