Permanent Life Insurance
Permanent life insurance can last your whole life and build cash value, but the details are where people get lost. We explain in plain language what's guaranteed and what isn't, including the costs, compare whole and universal life from several companies, and review it with you as your plans change. Call or text with any question. There's no cost to talk it through.
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Who It's For
Is Permanent Life Right for You?
- People who want coverage that doesn't expire
- Leaving money to family or planning an estate
- A lifelong need, like caring for a dependent with special needs
- Business owners planning for succession
Good to Know
Before You Buy
Permanent life lasts your lifetime, and the policy type decides how it grows. We go through each option with you before you apply.
- Several companies. We compare several companies and explain your options in plain English or Spanish.
- Whole life. Whole life generally has fixed premiums and guaranteed cash value growth.
- Universal life. Universal life has flexible premiums, but paying too little can cause the policy to lapse.
- Policy loans. You can usually borrow against cash value, but unpaid loans reduce the death benefit.
- Estate planning. Permanent coverage is often used for estate planning and leaving money to heirs.
- Taxes. Death benefits are generally paid to beneficiaries free of income tax.
Pair It With
Gaps to Check With Permanent Life
Permanent life is one piece of your plan. These are the gaps we check for when we talk with you.
More Coverage for the Busy Years
Many people pair permanent coverage with a term policy for the years the kids are home and the mortgage is big.
Just Want Final Costs Covered?
If you only need funeral costs and final bills covered, final expense may be simpler.
Partners Need a Funded Buy-Sell
If a partner passes away, life insurance is often how the agreement gets paid for.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
A Lawsuit Can Be Bigger Than Your Limits
A serious accident or a guest hurt at your home can lead to a claim above your limits. An umbrella adds protection on top of your home and auto.
Is Your Home Insured to Rebuild?
Many homes are insured for what was paid, not what it would cost to rebuild today. We check that first.
More Life Insurance
Other Life Options
Compare Permanent Life Options.
Final approval and pricing are set by the insurance company after you apply.