10 Best Whole Life Insurance in 2025
Best for policies up to $25,000
- Age Eligibility: 45 to 85
- No medical exams required for coverage approval.
- Fixed premiums that never increase over the life of the policy.
Lifetime Protection Supported by Top Ratings from Major Agencies
- Build cash value you can access during your lifetime
- Offers customizable coverage with dividend eligibility
- Provides strong financial stability and reputation for reliability
The ranks shown are provided by a third party for the advertisers and are not on behalf of any particular product or its performance. Click here for additional details.
Best for long-term financial growth and protection
- Age eligibility: 18 to 85 years old
- Builds cash value with potential dividend payments
- Access to flexible policy loans and withdrawals
Get $250k in Term Life Insurance for as Low as $13/month
- A Trusted Partner since 1995
- Customizable Policies that Fit Your Needs and Budget
- Term Life Insurance up to $10M+
- Apply 100% Online or with the Help of an Agent
Best for under 50 years old
- Lifelong coverage with flexible premiums
- Grow tax-efficient wealth inside your life insurance policy that you could access while alive
- Adjust your death benefits and premiums to fit your evolving needs
Quality Insurance Coverage Providing Cash Value
- Dependable Lifetime Protection for Your Family
- A Trusted Partner in Protection
- Request a Free, Whole Life Insurance Quote
Grow-Up® Plan: the benefits double, the rate stays locked
- Child whole life insurance starting at $3.70 per month
- Coverage automatically doubles during the year your child is 18—at no extra cost!
- Choose from $5,000 to $50,000 of whole life insurance protection
Best for policies up to $25,000
- Age Eligibility: 45 to 85
- No medical exams required for coverage approval.
- Fixed premiums that never increase over the life of the policy.
What is Whole Life Insurance?
Permanent policies like whole life and universal life provide coverage that lasts your entire life and include a cash value component you can borrow against. These are often used for estate planning, building wealth, or supporting a dependent with lifelong needs.
While they offer long-term benefits, permanent policies come at a higher cost. They may not be necessary for everyone—especially if your main goal is protecting your income while raising a family or paying down debts.
What is Guaranteed Whole Life Insurance?
Guaranteed whole life insurance—often called final expense or burial insurance—is designed to help cover end-of-life costs like funeral expenses, medical bills, or small debts. These policies offer lifelong coverage with guaranteed approval for most applicants between ages 50 and 85.
Coverage amounts are smaller (typically $2,000 to $50,000), but the application process is simple, with no medical exam and fixed premiums that never increase.
It’s a practical option for older adults who want to ease the financial burden on loved ones without the cost or complexity of larger life insurance policies.
The ranks shown are provided by a third party for the advertisers and are not on behalf of any particular product or its performance. Click here for additional details.