Whole Life Insurance

Protection For Life

With a whole life insurance policy, you have the potential to receive dividends. Your dividends can increase the cash value of your policy while you are living or may provide an increased death benefit for your beneficiaries.

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The Benefits of Whole Life Insurance

Having the right life insurance is crucial to your beneficiaries futures. There are many benefits to whole life insurance such as level premiums, lifetime protection, and cash value.

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Level Premiums

With whole life insurance the rate you decide on when you purchase the policy will never increase.

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Lifetime Protection

Your policy will never expire or need to be renewed. This also means that your policy will not go down in value.

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Cash Value

You may borrow against a portion the portion of your premium that builds in cash value.

Do You Have A Question?

Reach Out And We Will Answer All Of Your Insurance-Related Questions.

We are here to help answer any questions you may have regarding the sometimes tricky types of insurance policies. We will find the perfect policy for you. Utilize the form to contact us and we will give you a call or email to discuss your options.

Additional Information Regarding Whole Life Insurance

Whole life insurance can be appealing to many people due to the degree of certainty it provides. Once whole life insurance coverage has ben issued, it cannot be reduced, cancelled, or revoked except in cases of non-payment or fraud. This is due to the fact that your health at the time of policy issue dictates the terms of your insurance for the rest of your life.

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4Discuss Your Options

How much does your family need for burial expenses?*
Please enter a number from 6000 to 15000.
How much annual net income will your survivors need?
How many years of income will you need to cover?

How much money would you like to provide for your children's education?
How much debt do you have?
How much money do you have in savings and investment accounts?

Total

Name*
Email*
Phone*
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Do The Math

Determining how much life insurance you need shouldn’t be a difficult process. Utilize the whole life insurance calculator to get an estimate of how much insurance you may need. To get started you will need to look at how much money your family may need and any resources that may be available to them upon your death. If you have any questions, please reach out to us at (208) 509-7495 and we will walk you through the process.

Frequently Asked Questions

Learn How it Works!

What is cash value vs the death benefit?

While you are alive you can use the cash value to borrow against, reduce, or even eliminate your premiums down the road.

Is whole life insurance more expensive than term life insurance?

The premiums of whole life insurance are typically more expensive in the beginning, however, since they remain the same throughout the life of your policy it can save you money over time.

How long does it take to accumulate cash value?

In general, it often takes 12 – 15 years to receive a large cash value. It may take less time depending on the policy you and your life insurance agent decide on.

What is the main difference between term and whole life insurance?

With whole life insurance, your rates will not change once the policy is issued. With term life insurance you are protected only for a number of years before you must renew your policy. Renewing your term life insurance policy may change your rates depending on your health, age, or other factors.

Get Started

Give us a call today to find the right policy for you and your loved ones.

Call (208) 509-7495