Lasts your entire life. Whole–Life Insurance coverage runs an average of 100 to 121 years depending on the carriers. The Whole-Life Insurance has cash value, which accrues in the policy. The cash value can be borrowed against to pay premiums and for other purposes as needed. Premiums remain level – they do not increase or decrease. Whole–Life Insurance has the ability to pay itself if there are adequate funds in the cash value. Due to the added benefits Whole-Life costs more than Term Insurance.

Benefits:

• Affordable Whole-life up to $100k
• No medical exam needed
• Sam day coverage
• Guaranteed Not To Expire
• Cash Value
• Can be Paid-Up
• Premiums guaranteed not increase or decrease as long as your premiums are paid on time.
• Includes Living Benefits Upon Insured Qualifying

Guaranteed Universal Life (GUL) is a permanent life insurance product that last your entire life – unlike term insurance which expires after a certain time period ( typical 10yr , 20 yr. 30yr max). GUL, Similar to Whole Life Insurance, last your entire life as long as your premiums are paid on time. Most popular sold is the GUL.

Benefits:

• Affordable permanent insurance up to $100k
• Costs Less Than Whole-Life
• No medical exam needed
• Same day approval
• No cash value
• Includes Living Benefits upon insured qualifying
• Ideal for the older individual who procrastinated getting insurance and desire permanent life insurance while keeping cost low.
• Premiums are guaranteed not to increase or decrease as long as your premiums are paid on time.