Whole Life Insurance Tips

Use our Whole Life Insurance Guide to help you save time and money when choosing your whole life insurance policy.

• Compare Rates - Today it's fast, easy and convenient to compare whole life rates online. Rates can vary by 25-50% depending on the life insurance company, so it really does pays to compare. Just answer 1 simple form and receive whole life insurance quotes from top rated life insurers with side-by-side comparisons. It only takes a minute.
  
  
• Smokers Rates - Life insurers may charge
  2-3 times more for smokers than people who don't smoke. Some life insurers offer very competitive rates. Shop and Compare multiple Whole Life Insurance quotes for free.
  
  
• Know Your Needs - Some insurers provide a Life Insurance Needs Calculator to help you in determining your life insurance needs.

• Know The Coverage - There are several advantages and disadvantages to whole life insurance policies including the following:
  1. It pays a death benefit to your beneficiary.
  2. Offers tax-deferred cash value accumulation.
  3. Remains in force during your entire lifetime.
  4. Builds cash value and permanent protection.
  5. Several premium payment options including one lump sum.
  6. You can take out policy loans or cash in the policy.
  7. Interest builds until you withdraw the cash value.
  8. Premiums are fixed regardless of health or age.

• Premiums Vary - Premiums for whole life insurance are substantially higher than premiums for term life insurance.

Have you asked yourself "What would my loved ones do if I was not here?" Request an estimate from a professional in your area and receive our Insider’s Guide to Life Insurance. Learn more about your options today! Click Here.