Permanent Life Insurance Protects Your Loved Ones
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Short on time? Let our licensed insurance advisors do the shopping for you! They’ll find you policies and rates from the nation’s top-rated insurance companies.
Fill out our easy online form and our insurance advisors will find you the best available policies. We'll contact you to go over the available rates based on your criteria, with absolutely no obligation to buy.
Compare the rates for policies from America’s top-rated insurers. If you have questions, our licensed insurance advisors will answer them to ensure you make the right choice for your family.
Our easy application process can be completed over the phone, with eSignatures and a 100% digital submission process. Throughout the application process, we'll provide updates from your insurer, answer questions, and help you get that coverage in place!
"I just activated my life insurance policy. I would like to thank you for going the extra mile to make this happen. Without your assistance I would either be without life insurance or paying a premium that is much too high for my health status. Again, thank you."
"I want to thank you for all of your help and patience. If any of my friends or family are looking to purchase life insurance, I would refer you to them."
"Christine was extremely nice and pleasant to work with. She was very patient and really took her time explaining everything."
"I got the privilege of working with Tammy today. She is very kind, informative and quick to the point. She is very knowledgeable on what she does and it shows. You guys have a good team member in her."
"Speaking with you has not only give me the insight of the importance of life insurance for the sake of the people I love, but also the importance of it for myself. Speaking with you showed me there are decisions in my life that need to be addressed if I want to achieve my goals...Thank you for taking your time to reach out to me personally."
"Christine Orris was my agent and she was VERY helpful in answering all my questions as I was inquiring about buying a policy. The process itself was very simple. I told her what I needed, she recommended the best product for my needs. Recommended!"
Why Choose Permanent Life Insurance?
Meet our client, Maya
Maya came to us looking for two things: a guaranteed death benefit for her daughter, and a way to fund her daughter’s future college expenses. Maya's situation was tailor-made for permanent life insurance, which includes a cash value account. That cash value account earns interest and grows over time...perfect for a college fund.
Here's how it works. The insurer puts a portion of every monthly payment into Maya's cash value account, where it will grow and compound with interest. By the time her daughter is 18, Maya will have the cash she needs to help pay those tuition bills. And if her daughter decides not to go to college? Maya can use that money for retirement, a home renovation, or whatever her heart desires.
We also made sure Maya's permanent policy had living benefits. With living benefits, she can access the death benefit early if she’s diagnosed with a terminal illness. It’s a little extra security that feels good to have these days.
“All I knew going in was that I needed a policy that wouldn’t expire. My daughter’s future is at stake, and I didn’t want to guess at how long I should be covered. I had no idea I could use that money, too, if I ever get terminal cancer or something like that. That’s a HUGE weight off my shoulders!”
- Maya R.
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What’s It Like Working With Us?
We'll let Mike tell you how it went.
“Insurance is not my thing, so I knew I needed to talk to someone before I bought a policy. When I called, Debby was so nice and patient. She answered every question I had, even the dumb ones I was embarrassed to ask!
She told me that when her mom died without life insurance, they had to sell her mom’s things to pay for the funeral. That's why she was happy to answer so many questions - she just didn't want the same thing to happen to my family. That’s when I understood she really cared about helping me.
I put off buying a policy for a long time, but I’m relieved and thankful I finally did it. It feels good to know I made the right decision for my family. Now I can get back to playing with my granddaughters!”
- Mike M.
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What’s the Difference between Term and Permanent Life Insurance?
The most important difference is right there in the name:
✓ Term coverage: Limited duration; the policy might expire before you pass away
✓ Permanent coverage: Lifetime duration; the policy cannot expire before you pass away
If you want coverage you can’t outlive, a permanent policy is the way to go! But there’s another key difference between term and permanent policies.
✓ Permanent coverage builds cash value. A portion of every payment you make goes into your cash value account, where it earns interest that compounds over time. This cash is yours to use – let it grow, then pull it out to put the kids through college, renovate your home, or have a little extra spending money during retirement.
✓ Term coverage does not include a cash value account.
So what’s the trade-off? Permanent policies cost more than term life policies. If you’re on a very tight budget, a term policy might be the better choice. We can quote you both types of policies to see what works best for your budget. Depending on your health and age, you might qualify for more than you expect! If you want us to walk you through the process of selecting the right policy, give us a call at 800-823-4852!
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Did you know?
If you have a child with disabilities, permanent life insurance is a helpful tool for ensuring the funds for their care will be available after you die. You can set up a special needs trust and name the trust as your policy’s beneficiary. That way, your child will still qualify for government assistance, and you can rest easy knowing the funds to pay for your child's care will always be there.Get Your Free Quote
The Benefits of Permanent Life Insurance
Permanent life insurance gives you:
- Guaranteed death benefit. You can’t outlive this policy, so your beneficiary(ies) are guaranteed to get an income-tax-free payout.
- Living benefits. Most insurers offer benefits that let you tap into the policy’s death benefit if you’re diagnosed with a terminal illness.
- Long-term care (LTC) benefits. If you’re concerned about paying for long-term care, ask us to shop for policies that include an LTC rider, or give you the opportunity to purchase one. That way, if you ever need care later in life, you can tap into your policy’s death benefit to pay for it.
- Cash value account. A portion of every payment you make goes into your cash value account, where it earns interest and grows over time. Years down the road, this money can be a helpful supplement to retirement income. It’s yours to spend as you see fit during your lifetime. No restrictions, no rules – and often without income tax, as long as your policy is set up correctly.
We recommend the security of permanent coverage to our clients who want a 100% guaranteed death benefit no matter when they pass away. If that’s what you’re looking for, give us a call and let us help you find the right policy today!
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Why Work with WholesaleInsurance.net
Our awesome staff & licensed agents are here to help you get the right policy at the right price! Let us do the heavy lifting for you - we'll shop the nation's top carriers and show you the policies that meet your needs and your budget. Call 800-823-4852 now to get your free quote!
Meet the Team
“I’ve been in the life insurance industry for 25 years. In addition to life insurance, I’m also experienced in disability and property & casualty insurance (home & auto coverage). I especially enjoy helping my higher risk clients find the best possible coverage. The whole purpose of buying life insurance is to protect the ones you love! After hours, you can find me camping, gardening, hiking, boating, and spending time with my wonderful husband, two children, and fur babies.”
“I have 17 years of experience in the life insurance industry. I come from a teaching background, so my favorite part of this job is being able to teach someone who’s new to life insurance. I explain that life insurance is for protection. It prevents families from the financial trauma of losing a loved one so their focus can stay on mourning. My mother passed with no insurance, and we had to sell her things to pay for final expenses. I really do care about helping my clients and I don’t want them to go through that. When I’m not at work, my grandchildren and my kids are my world.”
“I started in the insurance industry when I was still in high school. Shortly after, I obtained my license and I’ve been helping families with their insurance needs ever since. No one can truly predict the future. But life insurance means you and your loved ones can prepare for the loss of income. I have a client that wanted to set aside money for his daughter’s wedding, if he was not able to be there. That brought me to tears. When I’m not helping clients, I love fishing in local rivers and lakes. Everybody can see me coming with my pink fishing jacket.”