Whole Life · Compare quotes
Whole Life Insurance
Lifetime protection with guaranteed cash value.
Whole life is permanent coverage that never expires as long as premiums are paid. Your premium is fixed for life, and part of every payment builds guaranteed cash value you can borrow against. Many policies also pay dividends.
Coverage length
Lifetime
Premiums
Fixed for life
Cash value
Guaranteed
Best for
- Lifelong dependents or special-needs planning
- Estate planning & wealth transfer
- Conservative, guaranteed savings
- Leaving a guaranteed legacy
What's the main reason you want coverage?
This helps us match you with the right policy type.
Secure & private. We never sell your information.
How it works
How whole life coverage works
01
Fixed premiums
Your premium is set when you buy the policy and never increases.
02
Cash value grows
A portion of each payment builds tax-deferred cash value at a guaranteed rate.
03
Access your money
Borrow against or withdraw from cash value for emergencies, education or retirement.
Pros & cons
- Never expires
- Guaranteed cash value growth
- Potential dividends from mutual carriers
- Predictable, level premiums
- 5–15× more expensive than term
- Slower cash value growth early on
- Surrender charges in early years
Sample monthly rates
| Profile | Coverage | Est. monthly |
|---|---|---|
| 30-yr-old, non-smoker | $250K | $180–$240 |
| 45-yr-old, non-smoker | $250K | $300–$400 |
| 60-yr-old, non-smoker | $100K | $330–$450 |
Illustrative ranges for healthy applicants. Your actual rate depends on underwriting.
Whole Life questions, answered
Compare other coverage types