Permanent/Whole Life

Is "Whole Life for your whole life" the ultimate option to care for your family and your future?

I get asked daily, "If term life insurance is less expensive, why is Whole Life a good fit?" And here's the nuts and bolts of it all. If you're looking to lock in rates with Level Premiums and Level Payouts, if you might need to access some of the cash value of the policy (loan or just a small withdraw to replace your air conditioning or water heater), if you aren't in the best health and/or don't qualify for a high payout Term policy, or if you're at the point where you're concerned with who will pay to bury or cremate you (or HOW they'd afford your final expenses in general), then whole life is often the best fit, and truly the best VALUE.

Thinking Whole Life might be a Whole Vibe?? Keep reading or just click the link in the banner above to schedule a time to talk to a state licensed coordinator. If you're looking to learn more about a temporary rate for protecting and securing assets like a home mortgage, business loan, etc., just click on Term Life in the Insurance Options Menu in the top right corner of this site.

Okay, let's get back to why you're here, "Is Permanent / Whole Life Insurance the best option to secure my family's financial future?" And the most honest answer is, it really depends on each individual client and their family's needs. Are there stipulations, yeah some companies have strict requirements to qualify, although not usually as narrow parameters as term options. What about restrictions? The most important one is (in order to reduce the use of life insurance as a benefit to suicide) is the suicide clause for the first two years, otherwise any cause of death qualifies for payout. Do you have to have the medical history of a 20 year old athlete to get qualified? Nope, Whole Life is often the only type of coverage that folks past retirement age can afford, and let's face it, most of our vintage aged loved ones aren't in the best health at all. Can it be accessed or used BEFORE you die? Yeah, in 2 different ways; It builds cash value to access if needed, and it has living benefits to payout up to 80% in the event of a major medical diagnosis (without passing). What kind of hoops need to be jumped through in order to get a policy that doesn't expire until, well, until you do? No hoops, just a digital medical history check. I mean, just like Term/Temporary, the list of questions can go on for DAYS! And unless you ask a licensed professional, you'll either get answers based on what other people have heard or think, or the answer you get will be based on what some teenager with commission breath in a company's sales department wants to sell you that particular week. We get it, there HAS to be a different way to get affordable coverage to protect your family, and rest assured, WE GOT YOU! See, we DID in fact go through the courses and trainings (and yearly required trainings to continue education and keep up with any and all changes) to know which options work best for your specific end goals. And then we got state licensed as a promise to work with your best interest in mind.

Here are some key takeaways to help you decide if using Whole Life Insurance is the key to securing YOUR family's financial future.