Whole Life
Coverage for life, with guarantees in writing.
Whole life is permanent insurance with a fixed premium and a guaranteed-growth cash-value account. Slower-growing than IUL, but every line of the contract is a guarantee — not a projection.
What you're getting
- · A death benefit that lasts your entire life — no expiry date.
- · A premium that never goes up.
- · Cash value that grows on a guaranteed schedule, with potential dividends from mutual carriers.
- · The ability to borrow against cash value tax-free during your lifetime.
Whole life vs. IUL
Both are permanent. The difference is the engine: whole life is contractually guaranteed at every step. IUL credits based on a market index, with caps in good years and floors in bad ones. Whole life trades upside for certainty; IUL trades certainty for upside.
Which is right depends on what helps you sleep at night. We walk through both with your numbers.
Want to see what whole life costs at your age?
Whole life pricing climbs steeply with age — every year you wait costs more on the same coverage. We'll quote you across multiple carriers and show you exactly what the next 10 years look like.