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What is Whole Life?

Whole life is the most basic type of permanent, cash-value policy. It mixes life insurance with
a fixed-rate investment that builds cash value. The death benefit, premiums and cash value are fixed when the policy is issued. However, in another type of whole life policy known as "interest-sensitive whole life", the credited interest rate varies annually, but cannot fall below the guaranteed minimum rate specified in the policy.

What is Whole Life Best Suited For?

Whole life is best suited for the most permanent types of life insurance needs such as covering burial expenses or estate taxes. Since premiums are guaranteed never to increase, this type of policy also carries the highest premium. Generally, the cash value of this policy is equal to its death benefit at the insured's 100th birthday. It is also ideal for those who want to have the peace of mind that their premiums will never increase, or those who would like to stop paying premiums after a few years, but want to retain the coverage. Some whole life policies can be fully "paid-up" with a single premium.

How do I get a "Free Quote" on Whole Life Insurance?

To receive a free quote, simply click on the button immediately below this paragraph, then complete the form that appears on your screen while following the instructions on the form.
You can also request a quote for you spouse on the same form. Requesting a free quote does not place you under any obligation.

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For More Information Contact:

Henry Best Insurance Services
25820 Tennyson Lane, Stevenson Ranch, CA 91381
Tel: (818) 613-5380 in Los Angeles
Tel: (888) 736-3417 "Toll-Free" outside Los Angeles
FAX: (661) 284-3520

email: info@yourinsurancestore.com

   

Raonbow Line.gif (4491 bytes)

For More Information Contact:

Henry Best Insurance Services
25820 Tennyson Lane, Stevenson Ranch, CA 91381
Tel: (818) 613-5380
FAX: (661) 284-3520

email: info@yourinsurancestore.com

Send E-mail to hbest@yourinsurancestore.com with questions or comments about this website.

Copyright 1998-2003 Henry Best Insurance Services
Last modified:  November 11, 2003