Whole Life Insurance

Our Service Guarantee

You’ll always get friendly & knowledgeable service from a real, live person.
We never share your information with third parties. We only ask for the information needed to give you an accurate quote.
Our service is 100% free with no obligation. Don’t want to proceed? Let us know and we won’t contact you again.

Comparing quotes is fast and easy

Short on time? In seconds, our instant quoter shows you policies and rates from the nation's top-rated insurance companies.


Use our free online quoter to search for a policy. We'll show you the best available rates based on your criteria, with absolutely no obligation to buy.


Compare rates for dozens of top companies. You can also check out their financial ratings to help choose the right provider to meet your needs.


Choose the policy that best fits your needs and budget. Our easy online application gets the process started. If you have questions at any time, we're here to help.

Our Life Insurance Carriers

We work with more than 40 of the nation's top life insurance providers, including:

Little boy sitting on top of his dad's shoulders, with a huge smile on his face

Whole Life Insurance

Set it and forget it

“I was skeptical at first. I wasn’t sure I could afford life insurance, what with the house payment, car payment, and the kids always needing stuff for school. But when I got a quote, it was less than I was already spending on take out.

So I made the choice to protect my family – and it was the right thing to do.

Because my wife and I locked in our rates while we’re young, we saved a ton of money. Our payments are each under $100 a month, and the coverage lasts our whole life. Plus, our policies are building cash value we can use later, when the kids are ready for college.

I didn’t even realize that I can use some of the death benefit if I get sick. So if I need treatment or just want to take one last family trip, I can do it – and my wife and kids still get all the rest of the money after I’m gone. That makes me feel so much better.

I love not having to worry about my policy expiring. I just wanted to set it and forget it – and now I don’t even have to think about it. My kids and my wife are protected.” - Carlos M.

Lock in your lowest rate today!

Get Your Free Quote

No Exam Policies

No exam, no needles - just fast, easy coverage

We met Jessica when she called in to ask for help finding coverage. At age 42, she said, she thought she’d missed her window for low rates and wanted our help to find the best possible price. No problem, we said.

We found her an affordable whole life policy so she never has to worry about her policy expiring. Plus, she’ll build cash value over time that can help her out later during retirement. But best of all? Jessica works remotely and really wanted a hands-off digital process. So we found a no-exam policy that didn’t require a medical exam. A digital signature was all it took for her to get covered.

“I want to say thank you to Debby, who told me the story of her mom who died without life insurance. It made me realize that it’s not just about me. It’s about the people I love and what they have to deal with. It made me think about life insurance in a whole new way. She was so patient and knowledgeable and answered all of my questions.”
– Jessica J.

Client Jessica, a 42-year-old woman with long reddish blonde hair, sitting at the computer in her home office

See what you qualify for!

Get Your Free Quote
Client Jorge sitting on the couch with his son and grandson, looking at a tablet

Seniors Can Still Save

It’s not too late

If you think it’s too late to save on whole life insurance, we have good news. It’s not! Just ask our client, Jorge. At age 53, he thought he had already waited too long. But we found him a whole life a policy with one of the nation’s top carriers for $250,000. Yes, he paid more than he would have if he’d gotten covered when he was 30 or even 40, but he told us the price was worth it.

“It’s for my family,” he said. “There’s nothing I wouldn’t do for them.”

Plus, we were able to save Jorge 20% compared to other quotes he’d gotten online. That’s why it pays to work with an agent. Our fully licensed insurance advisors know the right questions to ask to pinpoint your needs and match you with the policy that best meets those needs.

“I can’t believe I was able to save 20% on life insurance at my age,” Jorge told us. “I thought all those online quoters were the same. But now I know…it really does save you money when you talk to someone before you buy.”

Don't wait - shop now to get the lowest possible prices!

Get Your Free Quote

Did you know?

Whole life insurance builds cash value over time. Over time, that cash value builds - with interest - and you can use it for anything you like. Years from now, you can help send the kids to college, add on to your house, or take a memorable family vacation!

Get Your Free Quote

What’s the Best Whole Life Insurance Policy?

We can help you figure it out

Everyone’s financial situation is different. That’s why there’s no single right answer on the best whole life policy. For you, it might be a no-exam policy that doesn’t require any blood or urine samples. Or it might be a traditionally underwritten policy that offers a deeper discount for taking the medical exam.

It can really help to talk it out with an insurance agent. It’s our job to know all the different insurance companies and the types of life insurance they offer. In just a few minutes, one of our licensed insurance advisors can help you find the policy type that’s right for you.

Want to talk to a real person about your family's insurance needs? Call us now at 800-823-4852!

Dad and daughter sitting outside reading together

Ready to get started?

Get Your Free Quote

Let’s Compare: Whole Life vs. Universal Life

Are you looking for stability or flexibility?

If you like the idea of life insurance you can’t outlive, you’re in the right place. But we want to make sure you also know about another type of lifelong coverage, called universal life insurance. Which one is right for you? It comes down to stability vs. flexibility.

Whole Life

  • stability
  • guaranteed death benefit
  • guaranteed payment amount
  • guaranteed cash value

Whole life is simple – it’s a “set it and forget it” kind of policy. It’s guaranteed to cover you until you die, and your payments will always be the same amount – no price increases, ever. The amount of cash value you build is also guaranteed, based on an interest rate set when you buy your policy. When you pass away, your family gets the full face value of the policy you bought with zero tax liability. That’s all there is to it.

Universal Life

  • flexible
  • adjustable payments and death benefit
  • up to you to keep it funded
  • cash value can fluctuate

Universal life is a little more complex – there’s some responsibility you have to take. You can adjust your payment amount and the death benefit amount. This is helpful if your needs and income change over time. Your cash value growth also doesn’t have a guarantee. Every insurer gives you different options for growing your cash value. If you’d rather have flexibility than guarantees, universal life may be your best bet.

Your first step? See how much coverage you can afford.

Get a Free Quote

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

Christine Orris Debby Strouse Tammy Walde
Christine Orris
Team Lead

“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.”
Debby Strouse
Insurance Advisor

“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.”
Tammy Walde
Insurance Advisor

“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.”

Quoted rates valid as of 7/13/2022. Your actual whole life insurance premium can only be determined by a full application and the carrier's underwriting process, which may include some medical testing at their expense. Depending on the carrier, premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates may be available via EFT (electronic funds transfer). Not all carrier policies are available at all durations for all ages in all states. By providing your phone number and the name of your wireless carrier, you agree to WholesaleInsurance.net's privacy policy and terms of use. You also agree to receive communication from us at the phone number(s) you provide. Our communication with you may include autodialed or pre-recorded calls, emails, and SMS or MMS messages. You may opt out at any time. You may also call us directly at (800) 823-4852.

Schedule A Call Get Your Free Quote