Whole Life Insurance

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To get quotes, either use this form or call us at 1-800-722-9053.

The Best Life Insurance

The best life insurance is the one that best suits your personal needs.

Whether that is whole life insurance, universal life, or term life depends on how long you need life insurance and what you need it for.

There is no one type that is the best for everyone in every circumstance.

Whole Life Insurance

Is Whole Life right for you?

Some people should buy whole life insurance and some people should not. Needs differ.

If it is right for you, do not be put off by "experts" who insist that everyone should only follow the expert's personal preferences.

No insurer that we know of has online quotes for whole life, so we will get them for you.

Whole Life has guarantees not otherwise available, e.g., a guarantee that the cash value will increase irrespective of investment results and mortality rates of insureds.

Whole Life does not have as much flexibility in payment options or death benefit as Universal Life.

Several types of whole life insurance have been developed. The variations are in how premium is paid, on what basis cash value is credited, and how the death benefit may be increased.

Reasons to get Whole Life:

The actual rate offer to a particular applicant is made by the life insurance company after underwriting review of the application.

There are no lower final rates for any whole life insurance policy quoted here. It is not cheaper to apply with an employee of the company or from anyone else quoting this coverage. The premium to be charged is set by each whole life insurance company no matter who delivers or helps with the application.

The insurer alone decides the final rate after reviewing (underwriting) the application. No life insurance agent/broker (producer) can adjust or negotiate the final rate that the applicant is offered by the whole life insurance company.

Each insurer pays a commission set by the life insurance company for producing successful applications. The role of the producer is to help people apply and to produce applications for the whole life insurance company. So there is no reason or opportunity for the producer (agent/broker) to alter or negotiate the final rate offered and charged by the insurance company.

The quotes and final rates for this whole life insurance cannot be lower because they are set by each company, not by any life insurance agent/broker.

The risk category determined by the underwriter will determine the actual final rate you are offered for whole life insurance. It may differ substantially from the quotes you see before applying.

The actual rate offer to a particular applicant is made by the life insurance company after underwriting review of the application.

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To get quotes, either use this form or call us at 1-800-722-9053.