10 Best Whole Life Insurance
Permanent Coverage, and Fast Payout in Under 24 Hours
- Age Eligibility: 45 to 85
- No medical exams required for coverage approval.
- Fixed premiums that never increase over the life of the policy.
Quality Insurance Coverage Providing Cash Value
- Dependable Lifetime Protection for Your Family
- A Trusted Partner in Protection
- Request a Free, Whole Life Insurance Quote
Trusted by American families since 1967
- Get life coverage for as low as $18/mo.
- Acceptance is guaranteed regardless of health
- Apply online, no medical exam needed
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.
Guaranteed whole life insurance is designed to help cover end-of-life costs like 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.