Whole Life Insurance
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Our Life Insurance Carriers
We work with more than 40 of the nation's top life insurance providers, including:
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"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!"
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.
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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.
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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.”
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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!
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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.
- 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.
- 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.
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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’ve been a licensed life insurance agent for 20 years. I started my career with an organization specializing in annuities, and also worked on the wholesale side before venturing out into direct to consumer sales. I consider life insurance a very simple answer to a very simple question: how will my loved ones manage financially if something were to happen to me? When I’m not helping clients answer that question, I’m a big sports fan, especially football. My favorite football team is the Dallas Cowboys. I’m also the single parent of a beautiful 18-year-old daughter.”
“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.”