Whole Life

Owner *:
Your Email *:
Insured *:
Birthday *(mm/dd/yy):
Gender *:
 Male Female
Risk class *:  Super preferred Preferred Standard Sub-standard
Tobacco class *:  Non-tobacco Tobacco
Desired death benefit *:
Type of death benefit:
 Level death benefit  Increasing death benefit
Premium type *:
a.) Specify amount
b.)  Max allowed
c.)  Max without triggering tax consequences
d.)  Please suggest
Initial lump sum:
Payment plan:  Monthly Annual One time
Premium payment period:  lifetime up to 65 10 years
Others, specify:
Focus (click all that apply):
 No need for cash value Early cash value Cash value to fund living benefits
 Cash value for heirs, charity and/or estate liquidity
 To fund business continuation like buy-sell agreement or key person
 To fund business non-qualified or qualified retirement plans like for executives
Captcha Code: captcha
Required Fields *

Permanent life insurance is an affordable insurance that covers the insured for a lifetime, unlike with term insurance where the coverage is just for a period of time. There are two main types of affordable permanent life insurance: whole life and universal life.

Affordable Whole Life Insurance
Whole life insurance, also known as ordinary life insurance, offers protection in case of the insured’s death at the same time, building up cash value, all in an affordable cost. As long as the policy owner regularly pays the quoted premium, the ordinary life policy remains in force, regardless of any changes in the health that may occur. Unlike some term insurance quotes, the ordinary premium remains the same as the insured gets older. A portion of each premium payment is set aside to earn interest until the ordinary policy develops cash value.

Whole Life Insurance for Children
Whole life insurance for children allows you to protect the financial future of your children or grandchildren at affordable ordinary quotes is also available. It provides affordable coverage for the children until his/her old age and does not have an expiry date unlike term insurance. Whole life insurance quote for children are frequently purchased by parents to provide coverage for burial expenses, savings opportunities for the future, and cash out to pay expenses such as payment for tuition fee, etc. in just affordable premiums.

When Should You Avail Whole Life Insurance Quote?
Parents should get their children a whole or ordinary quote while they are young and healthy because the premium for an ordinary quote is cheaper than when they he/she is at an older age. It depends on the child’s age and health status.

Some affordable whole life insurance policy quotes provide coverage even for an individual’s future grandchildren. However, if the children suffer from an illness, there is a chance of higher premium. And if the children develop a medical condition after the policy is issued, the premium quoted will not increase over time.