Whole Term Life Insurance Rate

Compare Whole Term Life Insurance Rate Quotes

What is whole life insurance? It’s life insurance that provides lifetime protection.

What is term life insurance? It’s life insurance for a set period of time, usually 10, 15, 20 or 30 years, at much lower rates than whole life insurance.

Whole life is recommended to help pay your funeral costs and estate taxes.

Term life insurance is recommended to replace your income for your family and to provide the most life insurance protection at the lowest cost.

Term life offers the lowest rates for up to 30 years of life insurance protection for your loved ones.

Note: Many people choose to buy both types of life insurance policies.

They buy a whole life insurance policy to help provide for their burial, funeral, and related final expenses. In addition, they buy a term life insurance to provide the protection their family needs while the kids are growing and they have a home mortgage loan or other expenses.

Term life insurance policies may offer you the option of converting your term life policy into a permanent life insurance policy by a specific date in the future. This means you may still get lifetime coverage even if you start off buying a term life insurance plan.

Whole life insurance plans cost a lot more than term life, but they may build up some cash value inside the policy over time, from which you may be able to take a loan, if needed.

To learn more about term life and whole life coverage, please read this article that explains more about whole versus term life insurance.


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Whole Term Life Insurance Rate


 


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