Whole Life Insurance

Like all life insurance policies, whole life insurance helps prepare your family for the unexpected. It will help replace lost income, mortgage payments, and your children’s education.  The difference is the option to leave a legacy for the next generation. Whole life insurance products are designed to build cash value that grows (tax deferred) and can be accessed during your lifetime.

Reasons to buy whole life insurance:

• Permanent policy
• Guaranteed protection for loved ones
• Earn cash value
• Earn dividends
• Income replacement
• Education funding
• Death benefit

Along with all the benefits of term life insurance, whole life insurance is a permanent policy that lasts as long as the policy holder’s life.  It builds cash value and gives you the options to earn dividends that can go towards increasing your death benefit or lowering your monthly premium.  We advise speaking to one of our licensed agents that will walk you through every aspect of a whole life insurance product.

We make it easy to shop for insurance.  We work with all the major carriers so you can see all of your options in one place.  Our agents sit with you one on one, on your time, to explain what is available to you.  Make sure your family is protected by planning for the future and all that life holds.  Take steps now to learn about the different products and what you qualify for.  Whole life insurance can be used in many ways and should be considered when planning your family’s future, estate, and security.

Important aspects of a whole life insurance policy:

Death Benefit

Whole life policies have a guaranteed death benefit for the entire life of the insured.  Regardless of how long you live your family will receive the stated amount of the policy

Build Cash Value

Over time cash value will build in your whole life insurance policy.  It can be used for college tuition, supplement your retirement or for emergencies.

Earn Dividends

Depending on the carrier and the details of the policy whole life insurance policy owners can receive dividends on the policy.  This can go to lowering the monthly premium or increasing the death benefit.  There are many options and its best to seek the advice of a professional licensed insurance agent.