Whole Life Insurance

Privacy and confidentiality is 100% guaranteed. Please see our privacy policy

Run your FREE INSTANT online life insurance quote now!

Required fields are marked with: *

• Insurance Type:
• 5 Year Guaranteed Term 10 Year Guaranteed Term 15 Year Guaranteed Term 20 Year Guaranteed Term 30 Year Guaranteed Term Term to 65 Guaranteed Term to 70 Guaranteed Term to 75 Guaranteed Whole Life Guaranteed Life Pay Term to 100 Guaranteed Universal Life Gtd. Level to Age 100
• Amount:
• $25,000 $50,000 $75,000 $100,000 $150,000 $200,000 $250,000 $300,000 $350,000 $400,000 $450,000 $500,000 $600,000 $700,000 $750,000 $800,000 $900,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $2,500,000 $3,000,000 $5,000,000
• Sex:
• Male Female
• Smoker:
• No Yes
• Health:
• Regular Regular Plus Preferred Preferred Plus
• Birthday:
• 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
• January February March April May June July August September October November December
• 1900 1901 1902 1903 1904 1905 1906 1907 1908 1909 1910 1911 1912 1913 1914 1915 1916 1917 1918 1919 1920 1921 1922 1923 1924 1925 1926 1927 1928 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008
• Pay Premiums:
• Annual Monthly
• Name:*
• Last Name:*
• Telephone:*
• Best Time To Call:
• Email:*

Permanent life insurance is coverage for your entire life. Under this type of policy, your coverage will never expire and will never need to be renewed. This is, of course, assuming the premiums are paid in a timely manner. Whole Life Insurance cover is for the whole of your life. Unlike term insurance, which only pays out if you die during the policy term.

The amount, for which you are insured, also known as the death benefit, will be paid to your beneficiaries at the time of your death.

Once known as permanent life insurance, these policies are now more often called cash-value insurance. The term "cash-value" refers to an additional savings feature that increases the value of a policy.

Benefits of a Permanent Life Insurance Policy

1. Flexibility. A permanent plan can give you access to some or all of the premiums that you have been paying for in a way favourable to your taxes.
2. It's with you until you die. This type of policy coverage is guaranteed for your life with no out of the blue payment increases. A term policy will expire at a certain date, and a renewed policy could have much higher premiums.
3. Inheritance. Maybe the best reason for a permanent policy is to make sure the government doesn’t eat up your estate and investments. A permanent policy can provide peace of mind that your family and loved ones will be taken care of for the future.

Remember, the decision to buy a permanent or a term life insurance policy will depend on your situation, your age, your financial well being, and other factors. If you are a young family with some investments to protect but not financially stable a term life policy might be a good idea to protect those investments and your family. However, if you are financially stable with considerable investments, it may be a better decision in the long run to purchase a permanent plan.

Whole Life insurance is more expensive because it is certain that the life company will eventually have to pay the sum insured. Monthly premiums are invested by the insurer into a life fund. The terms and conditions of Whole of Life Insurance policies vary, so make sure you understand the scope of the cover being offered before committing yourself.

What is a 20 Pay Life Insurance Policy?