Whole Life Insurance
Permanent coverage with policy-defined premiums, death benefits and cash value features.
Request a Whole Life Insurance ConsultationUnderstand how it works.
Whole life is designed for lifetime coverage when required premiums are paid and policy conditions are met. Cash value develops according to the policy. Loans and withdrawals can reduce benefits, cause a lapse or have tax consequences. Dividends, when offered, are not guaranteed.
Start with this question
Do you need long-term coverage, and can you sustain the premiums?
Compare before you decide.
Review the premium, coverage amount, exclusions, underwriting requirements and how the policy may change over time. Your existing coverage and budget matter in choosing an appropriate option.
Marquita can explain the available options in the states where she is licensed. Product availability and eligibility depend on the carrier and your circumstances.
← All life insurance optionsWhy consider whole life?
If the need is expected to last throughout life, whole life may be worth discussing. Its policy-defined coverage and cash value features differ from temporary term coverage. Compare long-term affordability, guarantees and any non-guaranteed benefits.
Questions to think about
- Is my need lifelong or temporary?
- How does cash value develop?
- What would a loan do to the benefit?
A few things you may be wondering
Is cash value the same as the death benefit?
No. They are different policy values. Loans or withdrawals can reduce the remaining benefit and affect the policy. Ask how the specific contract works.
Bring your questions. Let’s make your next step clearer.
Understand the options that fit your responsibilities and budget.
Request a Whole Life Insurance Consultation