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Whole Life Insurance

Whole life insurance is a form of permanent life insurance.  Whole life insurance covers the policyholder for their entire life.  For this reason, whole life can be more expensive than term life insurance.  Whole life insurance can be a good fit for those with health issues or those between the ages of 50-85.

With whole life insurance you have the following characteristics:

  • Level death benefit – The amount of death benefit remains the same for the life of the policy.  This is guaranteed to be in force as long as premiums are paid.
  • Cash value – Whole life insurance creates cash value.
  • Endows at a limiting age – At age 120, the policy endows for its face amount which is collected by policyholder even though the policyholder is not dead.


 Other Types of Life Insurance


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