Whole Life Insurance

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Information about Whole Life Insurance*

Whole Life Insurance is favored by some due to the fact that it takes a part of the premium-payment and contributes it to an investment product or value savings for the policy holder. The value savings or investment is known as the ‘cash surrender value’ of the whole life insurance policy. As long as premiums are paid on time, the insurance covers the insured for their lifetime. Premiums are level and usually payable for life.

Younger clients receive cheaper whole life insurance premiums. Guaranteed Cash Value is also offered in whole life insurance. Whole life is quite different from term life insurance which doesn’t build any cash value. With whole life insurance, a guaranteed cash value is paid from the accumulation of part of the premium payments. At any given point of time, if the client wishes to surrender his/her policy, they will receive the guaranteed cash value for their policy.

Guaranteed Cash Value amount depends upon the type of whole life insurance policy the client has purchased, policy length and size. As per the law of federal income tax, cash value growth is tax-deferred. Amounts, if borrowed, decrease the cash surrender value and death benefit.

Providers of Whole Life Insurance

Combined Whole Life Insurance

Combined Whole Life Insurance

Founded way back in 1922 by W. Clement Stone, Combined insurance has gone from strength to strength. Now part of the ACE Group, it has repeatedly been listed among the 50 best performing insurers in the United States by the Ward Group.


Foresters Whole Life Insurance

Foresters Whole Life Insurance

Foresters Whole Life offers a quick and easy application process. Agents will benefit from excellent MGA commissions, 9 months advancing, plus excellent customer service from the 'A' rated insurer.



ING Life Insurance

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The ING Life Companies offer various types of life insurance, from the pure protection of term life insurance to the flexibility and growth potential of universal and variable universal life insurance policies.



Mutual of Omaha Whole Life Insurance

Mutual of Omaha Whole Life Insurance

Mutual of Omaha Companies have proudly been offering their services to the life insurance market for over a century. One of the most popular and financially sound products in the market is the Mutual of Omaha’s Whole Life Insurance Product.



* The information provided is intended for licensed insurance agents only. It is not intended for the purpose of advertising the insurance products to the general public.

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