Lifetime coverage with a premium that stays put.
Whole life insurance covers you for your entire life, with a premium that stays the same from the first payment to the last. Part of each payment builds a guaranteed cash value you can borrow against. Julieann compares whole life against term so you can see what the lifetime guarantee costs you.
Get whole life prices for your age
Answer three questions and Julieann prices permanent coverage for you, side by side with term.
- ✓ Same-day response
- ✓ No cost and no obligation
- ✓ Whole life and term compared
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Nothing on this page is a quote or an offer of insurance. Coverage, pricing and eligibility depend on the carrier, underwriting and your state.
Whole life costs more than term. Here is what you get for it.
For the same death benefit, whole life premiums run several times higher than term. You pay that difference for two things term does not give you: coverage that never expires and a cash value with a guaranteed floor.
Families pick whole life to leave money to someone no matter when they die, to cover a dependent who will need support for life, or to hold a cash reserve they can borrow against.
If you only need coverage until the mortgage is paid, term usually costs less. Julieann will say so.
Other permanent coverage to compare
Term Life Insurance
A set amount of coverage for 10, 20 or 30 years, priced for the years your family depends on your income.
- ✓ Premium stays level for the whole term
- ✓ Sized to your mortgage, debts and kids
- ✓ Many policies convert to permanent coverage
Indexed Universal Life (IUL)
Permanent life insurance whose cash value earns interest based on a market index, with a floor that protects it from index losses.
- ✓ Cash value tied to an index like the S&P 500
- ✓ A floor so an index drop does not lower your credit
- ✓ Flexible premiums within limits
Final Expense Insurance
A small whole life policy that pays for your funeral and final bills so your family does not have to.
- ✓ Premium never goes up
- ✓ Many policies need no medical exam
- ✓ Pays your family directly
Whole life insurance questions
Can I take money out of a whole life policy?
Does my whole life premium go up as I age?
See what lifetime coverage costs at your age
Julieann prices whole life next to term so you can compare the two.