Whole Life Insurance Explained

Whole life insurance is designed to last your entire life. Your price won’t increase, and your coverage won’t decrease. It also accumulates cash value.
Author: Ben Peetermans
Last updated: July 30, 2021

What is whole life insurance?

Whole life insurance provides coverage for the entire life of the policyholder, as opposed to Term Life Insurance which just blankets the person for a specific time period. It also has a saving component in which cash value may be accumulated.

Whole Life insurance is a commitment between a policyholder and a company or individual generally referred to as the insurer. The contract, at its most primitive roots, basically states that the policyholder will pay a monthly quota to a third qualified party, and upon the death of the insured person – not necessarily the policyholder – the insurer will pay out a designated beneficiary a sum of money.

Contracts differ and other amendments, like loss of limb, critical illness, or terminal illness may trigger the payment (the benefit).

Life policies are legitimate obligations and the articles of the contract define the boundaries of the insured events. Particular omissions are oftentimes recorded into the paper’s legal fine print to limit the responsibility of the insurer; omission relating to fraud, war, suicide, riot, and civil commotion.

Is whole life insurance a good fit for you?

It depends if you’re willing to pay more for the convenience and cash value a whole life insurance offers. It is a good policy to buy if you:

  • want 1 life insurance policy for the rest of your life that won’t decrease in coverage or increase in price
  • seek cash value opportunities in your life insurance policy
  • don’t mind paying a little more while you’re younger to lock in a lower premium as you get older

How much does whole life insurance cost?

As of 2021, permanent life insurance costs 2 to 4 times more than term life insurance when comparing coverage dollar for dollar.

The cost can vary widely depending on your age, coverage, and health. Depending on your health, you may only qualify for guaranteed issue, which is a type of whole life insurance, but it’s most popular for individuals that can not qualify for any other type of life insurance.

Average whole life insurance rates

AgeCoverageCost
20$100,000$46.13
$250,000$88.32
30$100,000$67.52
$250,000$123.35
40$100,000$104.86
$250,000$179.11
50$100,000$161.60
$250,000$236.23
60$100,000$264.82
$250,000$390.41

The prices above are sample prices calculated for non-smokers based in Arizona in excellent health. Get a quote to calculate your price.

Features of whole life insurance

  • It covers the policyholder from the moment they acquire the policy until he or she dies.
  • Grants death benefits as well as a cash value accumulation that grows throughout the length of the plan.
  • Prospective policyholders typically must pass a rigorous health examination.
  • You can buy it without a medical exam but at a greater cost.
  • It takes between 12 to 15 years to build up a modest cash amount.
  • Is the best choice for estate planning.
  • A share of the cash value can be withdrawn or rented out during the length of the contract.
  • When comparing term to whole life insurance, whole life insurance has a higher cost for the same coverage amount.

Factors to consider with Whole Life Insurance

Unlike other life insurance policies, Whole Life Insurance is a bit trickier. It’s not as easy to obtain as Term Life Insurance, and many factors have to be considered by the possible policyholder and the insurance company willing to issue the contract.

Some factors life insurance providers will take into consideration for a whole life insurance policy are:

  • Current age.
  • State of the potential policyholder’s health.
  • Future and current financial needs of possible beneficiaries.
  • Plans for funeral or death expenses.
  • Age of beneficiaries.
  • Mortgage and current debts.
  • Health expenses in the event of serious illness.
  • Health plans in place.
  • Retirement plans.
  • Estate planning and what strategies you have in place.
  • Whether you want to donate the proceeds of your policy to a charity.

According to a 2020 report compounded by LIMRA and LifeHappens, over 54% of adults have whole life insurance. 29% more intend to buy life insurance at one point in their life. 40% of insured wish they could have purchased their policies sooner, at a younger age.

Benefits of Whole Life Insurance

The death benefit increases

The amount paid upon the policyholder’s death, the “death benefit,” is normally the stated value on the contract. Nonetheless, if the policy is “participating,” the death benefits will increase depending on amendments the policyholder wrote into the plan.
What exactly does that mean? If the policyholder added an extra cash value for accidental death or a loss of limb, or some other tragic circumstance, then that cash value would be summed up as the original death benefit.

Maturity

Whole Life Insurance has a “maturity” clause. The condition states that a policy “matures” at the time of death or when the policyholder reaches 100 years, whichever circumstance happens first. If the policyholder does reach the ripe age of 100, then they receive the whole face amount of their contract in cash. Policies issued since 2009 have increased this clause to 120.

Tax

Income Tax
The death benefit of whole life insurance is free of income tax. This includes internal gains in cash amounts. That same condition is equally true of other life insurance policies like group life, term life, and accidental death.
Nevertheless, when a plan is drawn out before death, the IRS treatment varies. Sometimes, any monetary gain over the total premiums paid will be taxable as ordinary income in these events. The tax-man makes a tally of how much you’ve invested, and then any amount received over that total is considered profit.
Most people have found the loophole around this tax practice to take cash values out as “loans” instead of a “surrender” of the death benefit. Any money is withdrawn from a trust or given out by an institution as a loan is free from income tax. Companies that offer these policies know of this trick and often charge a small interest less than each year’s dividend.
Estate Tax
Although whole life insurance benefits are free of income tax, the same can’t be said of the estate tax. In the United States, whole life insurance is considered part of an individual’s taxable estate.

Premiums

Compared to other policies of its kind, Whole Life Insurance premiums are a general source of headache for people wanting to take the jump. Why? The premiums are far costlier than other plans. A typical $500.000 40-year term life policy from Legal & General would cost an average 20-year-old person about $700. That same policy in Whole Life Insurance format is about 5.8 times more; $4,060.

Other Benefits Of Whole Life Insurance

  • Premiums don’t vary. The policyholder pays the same rate during their roaring 20s as well as the twilight of their 90s. Other insurance plans spike their quotas with age as their assured individual matures.
  • The premiums roughly equal what other policies charge if the individual survives the average life expectancy.
  • You can access the cash value at any time, and through policy terms, these tax-free incomes can, in fact, be used as an investment to buffer the premiums further.
    Whole life insurance may end up becoming a better value than other policies for someone with needs greater than the 10-15 years other “term policies” allow.
  • The biggest benefits are its assured death benefits, confirmed cash-values; set, anticipated premiums; and fatality and expense debits that do not decrease the policy’s cash value.

Uses Of Whole Life Insurance

Personal Uses Of Whole Life Insurance

People are attracted to whole life because it grants coverage for an indeterminate length of time. It is the principal option for most when entering a certain age; mainly because it offers:

  • Surviving spouse income.
  • Supplemental retirement income.
  • Funeral expenses
  • Estate planning.

Business uses of Whole Life Insurance

Companies also find whole life insurance policies desirable because it protects them against possible tragedies that may hurt their bottom line. Whole Life Insurance protects them against a key employee’s death and serves as a supplemental to executive retirement plans.

Is whole life insurance worth the cost?

Of those who own life insurance, 44% of own a permanent life insurance policy in 2019. An increase of 7% over recent years.

It depends on your overall wants and needs. We recently explored the differences between term and whole life insurance. If you want simple coverage for a predefined term, like 20 years, a whole life policy probably isn’t worth the cost. In that case, you could go with term life insurance instead for a fraction of the cost.

On the other hand, if you want life insurance coverage for the rest of your life without having to worry about an end date or having to re-apply, whole life insurance could be right for you.

There’s also the scenario of health conditions. You may also not qualify for term life insurance if you are in poor overall health or have serious health conditions. In that case, a guaranteed issue policy may be your only option.

Whole life insurance builds Cash Value

Whole life insurance can also provide cash and support to the policy-holder during life. That’s right; there’s a way to tap into your insurance and pamper yourself in your old age.

Cash-value life insurance is a kind of permanent life insurance that carries an investment feature. In Whole Life Insurance, the cash value is a slice of your policy that the company invests in your favor and, in turn, earns interest as it matures. When you purchase whole life insurance, the premium you pay doesn’t just cover the amount handed over to your beneficiaries once you die (the death benefit). It is also funneled into a cash-value account. This account grows either at a fixed or variable rate, depending on the policy, company, and contracts you acquired.

And that money?

Well, it earns interest… and you can withdraw or borrow against it as it matures with you.

How to use the Cash Value from your whole life insurance policy

Loan approach

You can normally borrow part or all of that cash-value account. You can take out a portion of what you have already paid in premiums or even more (the accrued interest those funds have earned).

But why take out a loan and not withdraw the money? Why pay the company credit for this loan? It is your money, after all.

That’s because the insurance company will charge almost next to nothing in interest for that loan. But why pay interests at all? Because a loan, according to the American Institute of CPAs, isn’t considered taxable income.

Nonetheless, if you die while paying the said loan, the outstanding amount will be substrates from the net value of your death benefits.

Withdraw cash

The simplest way to get cash out of your Whole Life Insurance policy is to call your company and ask them for it. It’s a simple call, and they’ll wire the amount to your bank account.

Withdrawals are taken from your basis (that’s the amount you’ve already invested through premiums). That amount, “the basis,” is tax-free; the government considers it your money, and they’ve already taxed you somewhere along the line for it. They can’t double-dip.

For example, you’ve given the company, after some calculating (you have to figure in operational costs and other incidentals), the “basis” of $30,000. That whole amount is yours to do with as you please. Everything above that $30K is interest and profit.

Nevertheless, anything above the “basis” is considered earned income by the government lackeys in the IRS. If you tap into that portion, you’ll have to pay taxes.

Another thing to consider, taking money out of your policy reduces your death benefit.

You can cancel your policy. The company, in turn, will return a portion of what you’ve given them (they’ll first subtract unpaid premiums, loans and may charge an additional surrender fee).

Surrendering Your Policy

You can cancel your policy. The company, in turn, will return a portion of what you’ve given them (they’ll first subtract unpaid premiums, loans and may charge an additional surrender fee).

You’ll only receive part of what you’ve given them. Also, you will be charged income tax on a portion of the money they hand over.

Using Cash Value To Pay Your Whole Life Insurance

You may also be able to use your policy and the interest it has accrued to pay premiums. If you have no outstanding loans and the Whole Life Insurance has had time to mature, you can use interests (the cash value) to pay for your policy.

How much cash value does a whole life insurance policy build?

With universal life, a type of whole life insurance, the insurance company sets a minimum interest rate based on the contract for the policy (usually a low 2-3%). From there, if the insurance company’s overall portfolio gains in value, then part of the increase is added to the cash value of the company’s universal life policies, up to the maximum percentage amount listed in the policy contracts.

If the company’s portfolio does not have a significant gain, or if it takes a loss, the insurance company is still obligated to pay the minimum interest stated in the policy contracts.

When Permanent Life Insurance is a Solid Investment

Fees and commissions aside, permanent life insurance makes sense in a number of circumstances. It is advantageous for people from an insurance perspective whenever a person fears that they may not be able to renew term life insurance policies due to illnesses, disabilities or disorders that may present later in life. Permanent life insurance is just that – permanent. There is something to be said for buying the knowledge that you will always have coverage in place and that is one of the key benefits of a cash value policy.

The insurance product also makes sense when the purchaser wants the option to infuse predictability into their long term care expenses. When coupled with long term care riders, permanent life insurance can create a heavily tax-advantaged pool of money to provide for nursing home care. People expecting to rely on Medicaid subsidies to provide also benefit from whole life insurance plans when they are held in an irrevocable trust. Because assets in these trusts will not disqualify you from Medicaid eligibility, they can be used to transfer wealth to heirs, provide a steady stream of discretionary income, and can pay for final expenses.

Investors with a high net worth would also do well to consider using cash value insurance as a mechanism to avoid the estate tax. Couples with a net worth exceeding $10.98 million at the time of their passing are subject to the federal estate tax. It’s quite a hefty tax and for those who qualify, it will take 40% of every dollar over $10.98 million.

Don’t think that an estate tax is something that you would ever need to worry about? Think again! All of these states have independent estate taxes and some of them kick in at estate values as low as $1 million and that often includes your primary residence. Because state estate taxes are taken on top of federal taxes, it doesn’t strain the imagination to consider the case of someone who is close to a federal or state estate tax limit benefiting from the purchase of whole life insurance, annuities, and the use of irrevocable trusts to strategically exempt some of their assets from their taxable estate.

Consider a woman who lived in Oregon at the time of her passing. If she had an estate worth $1.5 million when she died, $500,000 of her estate would be exposed to a 10% state tax. That costs her heirs a whopping $50,000. Had she used a combination of irrevocable trusts and cash value insurance to shelter $500,001 of her estate’s value, her net worth would have remained the same, she could have accessed her investments through sheltered withdraws from her life insurance policies, and her estate would have been immune to the estate tax.

Knowing how much this saved in comparison to the fees and expenses associated with cash value insurance is challenging because the fee structure of every plan is different. What isn’t hard to say is that sheltering any money from a 40% federal tax and a state tax that exceeds 10% is a big move that demands serious consideration.

Verified Reviews for Whole Life Insurance

4.9 /5
Based on 117 reviews

Excellent
91%
Great
7%
Average
2%
Poor
0%
Bad
1%
Jul 19,2020
It was an easy process and the company has been around for many years and has a stable history.
Freda Wheatcraft
Agent: Cheryl Schlenkert
Sep 29,2020
Very pleased to deal with these people... no harassing, very polite and easy to speak with!
Donna Watson
Agent: Daniel Price
Sep 08,2020
very easy didn't take too much time. Great experience
Donna Lathon
Agent: Aaron Udell
Apr 14,2020
The agent Nikki Walker provided me with excellent service. She listened and understood my need to obtain inexpensive whole life coverage for my father. The only reason I am not rating the company a five-star is because when I received my confirmation coverage letter, it had the wrong information on it. I believe that was done by one of her associates not the agent herself. When it comes to transactions involving a credit card number, it is really important that anticipated charges are accurately reflected. Nikki was very apologetic for it and I appreciate her. I would definitely recommend her to others.Rita Wells Gorder
Harvey Wells
Agent: Nikki Walker
Jul 10,2019
The process was very quick an easy. The agents at True Blue are great. They were very responsive and helped explain the options and process.
Fabiana Rodriguez-Irizarry
Agent: Nikki Walker
May 06,2019
Great Service. Friendly and knowledgeable staff. Would definitely recommend them.
Robert Finucci
Agent: Cheryl Schlenkert
Mar 27,2019
The process was quick and easy.
Karen Hoff
Agent: Ken Kaufman
Feb 04,2019
Great experience . We obtain the policy quickly and received everything in the mail two weeks later
Manita Ferdinand
Agent: Bob Young
Dec 30,2018
perfect will use again five stars
Josephine Azzopardi
Agent: Nikki Walker
Nov 07,2018
So far it’s been good. New customer here so we will see as it progresses but it’s been a good experience so far.
Rodolfo Escubio
Agent: Ken Kaufman
Oct 12,2018
Fast and accurate. The quote was fair and the processing fast.
(Michael) Ludmila Minot
Agent: Jennifer Plisch
Aug 17,2018
See note above about policy delivery time. Otherwise fine.
William Carroll
Agent: Cheryl Schlenkert
Jul 28,2018
Amazing customer service and fast
Lydia Cisneros
Agent: Jason Alper
Jun 22,2018
Fast processing-simple questions and screening the application is faster than expexted
Sonia Chavarria
Agent: Jennifer Plisch
May 18,2018
Great! Fast and easy process. Put my mind at ease.
Jimmy Wilson
Agent: Bob Young
Mar 19,2018
Quick to respond with email.
Shannon & Liz Hyde
Agent: Jennifer Plisch
Nov 24,2017
Service was great and expedient. thanks Jen with /tru blu
Ralph Dupuy
Agent: Jennifer Plisch
Nov 02,2017
So far so good. No complaints
Sheila Young
Agent: Jason Alper
Feb 24,2020
5 stars, excellent service very quick process.
Rita West
Agent: Cheryl Schlenkert
Feb 05,2019
Top notch professional!!! I would recommend this company!! They emailed, texted, and call me to make sure I was in the loop of what’s was going on
Jamerial (Jacqui) Goss
Agent: Jennifer Plisch
Feb 05,2021
I had a good experience. Mrs Nikki was very professional and patient. This was a long time coming.
Donnashay Hamilton
Agent: Nikki Walker
Sep 01,2020
It was very easy. Jennifer was very truthful and kind
Robert McTernan
Agent: Jennifer Plisch
May 09,2020
Absolutely excellent service
Christos Kouzinoglou
Agent: Cheryl Schlenkert
Mar 23,2020
very easy to process application
Anthony Rando
Agent: Cheryl Schlenkert
Jun 01,2019
I was not able to find any policies due to some health conditions, i have heart problems.... i had been denied for policy after policy although it wasnt quite what i was looking for i am no covered i would have never have gotten coverage on my own thank you so much my family is protected now.
Kristen Nelson
Agent: Jennifer Plisch
Apr 11,2019
Delivered all information regarding our policies as promised. They addressed and resolved any minor discrepancies, Would use this company again
Jason Johnson
Agent: Nikki Walker
Mar 19,2019
she answered all my questions and gave me very good advice I ended up buying two separate policies from her and look forward to doing business with her again very specific conscientious caring agent
Holly Dempsey
Agent: Cheryl Schlenkert
Dec 11,2018
Was great . I would recommend them to anyone.
Rettie Sargent
Agent: Nikki Walker
Nov 28,2018
Started off rough but they gave me th insurance i need thanks to jason fighting for it
Jonas Smith
Agent: Jason Alper
Nov 08,2018
Great Service, Thank you!
Tyrone Borden
Agent: Nikki Walker
Sep 05,2018
The company delivered a fair and equitable policy.
Lisa Wommack
Agent: Jennifer Plisch
Aug 15,2018
It's hard to say how well Assurity will perform when a claim is submitted since I (so far) don't need their service. I just needed a small policy which would help offset expenses that my brothers (if they're surviving) would incur upon my passing. I have no dependents, no parents, etc. so I just need the process to be SIMPLE and I'm certain this Assurity policy will do the job when the time comes. The application process went very smoothly (over the phone) and I have received the policy. Peace of mind - done.
Walter Smith
Agent: Jason Alper
Jul 16,2018
We just began. No opinion as of yet.
Troy Gaylor
Agent: Jennifer Plisch
Jun 15,2018
I was online looking for insurance when i seen this site. I did the application and the agent called me. She was very helpful and polite. She helped me find the right plan for me and my budget u truly thank her
Shirley Burks
Agent: Cheryl Schlenkert
Jun 05,2018
Great company. Are used to work as an agent and I could never find the type of coverage that they got me
Michael Feeney
Agent: Jennifer Plisch
May 09,2018
This life insurance product looks to be a good value for the price, and fits my needs.
Peter Ahwesh
Agent: Jennifer Plisch
Apr 01,2018
They're very efficient and they get your policy in order quickly, I'd definitely recommend using Assurity.
Patrick McGready
Agent: Jennifer Plisch
Mar 27,2018
Very quick service! The policy met our needs and budget.
Mylan McDowell
Agent: Jennifer Plisch
Mar 06,2018
Jason was very helpful.
Mark Law
Agent: Jason Alper
Jan 21,2018
Very good company. Reasonable in underwriting.
Khampha Simmaly
Agent: Cheryl Schlenkert
Dec 15,2017
I think it very good. I would recommend this company to my friends and family.
Anthony Joyner
Agent: Jennifer Plisch
Nov 08,2017
I have not had enough contact with Assurity to give an overall evaluation.
Robin Sills
Agent: Cheryl Schlenkert
Jul 30,2017
Great company first class number 1 in our book!
Randall Honderd
Agent: Cheryl Schlenkert
Apr 18,2018
Very satisfied with my experience. No complaints.
Gary Colp jr
Agent: Cheryl Schlenkert
Nov 07,2018
Excellent product and service.
Ramona Dahl
Agent: Ken Kaufman
Aug 18,2020
Easy to use and excellent price
Deborah Malins
Agent: Daniel Price
Feb 18,2021
She was nice helpful consistent. She explained she followed up with me. I can call her if need anything.
Linda Forbes
Agent: Jennifer Plisch
Feb 02,2020
I had a good experience because my agent, Jennifer Plisch, was extremely helpful and compassionate.
Patricia Brewer
Agent: Jennifer Plisch
Jul 06,2020
Very simple, all online and over the phone.
Sylvia Donnell
Agent: Aaron Udell
Apr 21,2020
My initial rep completely dropped the ball. I had to start completely over with Brandon.
Brenda Jones
Agent: Brandon Potter
May 06,2019
The process was easy and informative.
Sheena Cauthorn
Agent: Jason Alper
Feb 17,2019
Sagicor was very cooperative and patient as I looked at several other companies to find the best price and policy to fit my needs.
Craig Dean
Agent: Cheryl Schlenkert
Jul 19,2018
Great experience so far.
Kelci Dotson
Agent: Jennifer Plisch
Jul 08,2018
5 stars, excellent Insurance company. Great products to fit my needs, great price and quick approval.
Jerry West
Agent: Cheryl Schlenkert
Feb 18,2018
Very good. I would recommend.
Jamie Behrens
Agent: Cheryl Schlenkert
Mar 23,2020
Easy and effortless to navigate.
Philip Kraus
Agent: Aaron Udell
Mar 08,2019
The best experience!!! You guys gave me hope when I was hopeless. Thank you
Noni Brooks
Agent: Jason Alper
Feb 07,2018
Thank so much for all your help.
Ted Purvis
Agent: Jason Alper
Dec 18,2016
The agent was very helpful and done an excellent job helping me to find the right life insurance coverage!
Stephanie Campbell
Agent: Jason Alper
May 06,2021
Applying for Life Insurance was super easy and very quick!Thank you! D’Ann
D'Ann (Ry'Leigh) Deleon (Vela)
Agent: Jennifer Plisch
Dec 23,2020
Jennifer, was excellent at the question I were needing help with. She was friendly, nice, an a huge relief. I will pass on her information to some more senior’s in need of help with insurance. Thank you for being so kind a helpful. Tammy Jackson
Tammy Jackson
Agent: Jennifer Plisch
Dec 19,2020
Aaron Udel was very helpful and had all the information I needed. He was also very professional. I would recommend to anyone looking to buy insurance. He made it much easy for me to decide.
Brenda Hagemann
Agent: Aaron Udell
Dec 14,2020
Aaron was absolutely wonderful to work with! He took the time to answer all my questions and made the process so smooth. I am very happy I took the time to answer the call from him! A definite asset to your company!
Camilla Senteneri
Agent: Aaron Udell
Jun 28,2020
GREAT TO DEAL WITH YOU.FAST AND VERY EFFICIENT.
Ford King
Agent: Aaron Udell
Mar 31,2020
Very smooth process.
Antoinette Moore
Agent: Jennifer Plisch
Aug 20,2019
Was easy and thorough.
Timothy Hart
Agent: Jason Alper
May 25,2019
fine everything in timely manner
Jay Opre
Agent: Jason Alper
Oct 12,2018
Awesome overall experience!
Violeta Cudal
Agent: Jennifer Plisch
Sep 14,2018
Professional and fast in approval.
Clara Orosco
Agent: Jennifer Plisch
Apr 04,2018
Fast processing and quick to meet our needs
Mylan McDowell
Agent: Jennifer Plisch
Dec 26,2017
Great company so far
Cheryl Lund-Haddock
Agent: Jason Alper
Nov 25,2017
I already have a couple policies with Mutual of Omaha, so this last one fit right in.
James Moore
Agent: Jason Alper
Sep 18,2017
Easy Transactions. Very Good
Tong Tran
Agent: Jennifer Plisch
Jun 07,2021
Great job. Great information.
Wiley Barber
Agent: Jennifer Plisch
Apr 30,2021
Great everything was explained and the service was great
Mary Sherlock
Agent: Jennifer Plisch
Sep 09,2020
Seemed easy over the phone!
Linda Ullman
Agent: Daniel Price
Sep 01,2020
Excellent service and we'll inform on the policy. Thank you for your help. Rick
Ricardo Ebia
Agent: Jennifer Plisch
Aug 18,2020
I had an excellent experience. Jennifer Plisch was very helpful and knowledgeable.
Teresa Strickland
Agent: Jennifer Plisch
Aug 26,2019
The application process was easy.
Janet James
Agent: Cheryl Schlenkert
Aug 20,2019
Very pleased with true-blue
Joann Orr
Agent: Cheryl Schlenkert
Jun 12,2019
Awesome customer service.
Franklin Adams
Agent: Nikki Walker
Jun 02,2019
Was very please with the everything I love Gerber life insurance prices are very reasonable will always recommend them thank you
Douglas Yoder
Agent: Jennifer Plisch
Nov 26,2018
Easy and quick! Received confirmation via personalized note.
Jerry Carrillo Ortiz
Agent: Bob Young
Apr 29,2018
Great help in time of need, awesome working with my agent. Couldn’t of been more happy with the service.
Toni Maxwell
Agent: Jennifer Plisch
Apr 23,2018
I’m glad Gerber had a package for my family. Thank you.
Rebecca Brookins
Agent: Jennifer Plisch
Apr 17,2018
Professional experience
Michael Nichols
Agent: Cheryl Schlenkert
Nov 18,2017
The transaction was easy to execute.
Nicholas Brown
Agent: Jason Alper
Oct 31,2017
I'VE USED GERBER FOR MY OTHER POLICES AND ITS ALWAYS BEEN A GOOD EXPERIENCE.
Faith Simpson
Agent: Bob Young
Sep 20,2017
Excellent rates and coverage.
Pai Thao
Agent: Cheryl Schlenkert
Aug 08,2017
So far I have had excellent service! I had a recurrence of cancer and am currently undergoing treatment. I was looking to see if there was any insurance available for me. True Blue took my information and a Insurance Broker called and told me about Gerber (YES, Gerber's Guaranteed Life). I was able to get $25k life insurance. There are a few stipulations, and I have not seen the policy yet, but the service was excellent and I assume it will all go as stated! Thank you Jennifer Plisch, your assistance and compassion is greatly appreciated!!
Kerry N Zenich
Agent: Jennifer Plisch
Jun 05,2017
Very helpful- quick to respond and got the application submitted right away.
Charles Rosenblum
Agent: Cheryl Schlenkert
Aug 15,2016
I need to set up my preferred payment plan by writing a check each time it is due, and not set up to have it charged to a credit card. That is more of an expense with the interest charges added on to the cost of the policy.
Earnest Oblander
Agent: Owen Baron
Jul 21,2016
In one word, excellent service!!
Yolanda Camarena
Agent: Jennifer Plisch
Mar 30,2017
5 starts. So easy and you can still talk to a real person.
Gretchen Murray
Agent: Jason Alper
Apr 13,2020
Easy application and fast acceptance
Brandon Bing
Agent: True Blue Life Insurance
Jul 17,2019
Just begin with this service, so far, it's been great. Received my package and will keep up to read and understand more of the process.
Papani Faafolau
Agent: Jason Alper
Apr 30,2019
Very easy on boarding me with the services I wanted. Jason was amazing . Highly recommend
Justin Villines
Agent: Jason Alper
Jul 04,2019
It was a nice quick process and I’m am very happy with the results
Randall Cates
Agent: Jennifer Plisch
May 13,2018
Great experience, easy!
Merilee Reeves
Agent: Cheryl Schlenkert
Apr 15,2021
It was easier than I thought! In one phone call I was covered. My family and I are now stress free, all thanks to my Agent, Jennifer Plisch!
Nadia Rutledge
Agent: Jennifer Plisch
Aug 08,2020
It was easy and now I’m stress free because of it!
Nadia Rutledge
Agent: Jennifer Plisch
May 09,2020
This was a greatly appreciate efficient, simple process.
Billie Feuerbacher
Agent: Nikki Walker
Mar 27,2018
Wonderful so far, rcvd documents immediately and love the extra benefits
Natalie Long
Agent: Jason Alper
May 28,2019
Handle smoothly,quickly and professionally.
Wallace Little
Agent: Jennifer Plisch
Mar 09,2020
Very easy process completing my policy
Anthony Rando
Agent: Cheryl Schlenkert
Mar 09,2020
Great service!! Awesome and very patient.
Brandon Thibeaux
Agent: Jennifer Plisch
Jun 16,2021
I obtained a valuable policy with great ease. My agent Nikki Walker was both friendly and professional. I throughly enjoyed my experience...
Charles Morehead
Agent: Nikki Walker
Apr 17,2021
Super helpful without the drawn out over explanation of the choices I had for coverage options!
Amoria Bird
Agent: Taylor Calacci
Apr 02,2021
It was an excellent experience
Linda Carter
Agent: Nikki Walker
Mar 12,2021
Got what I needed at a reasonable price.
Robert Snow
Agent: Taylor Calacci
Mar 01,2021
It was wonderful!!! We highly recommend you guys to my friends
Mary Sherlock
Agent: Jennifer Plisch
Jan 07,2021
Apply for life insurance was confusing at first because of the different qualifications. However I applied for an insurance that was able to meet my needs. It was a easy process and the turn around time from an agent was very quick.
Eddie Vanderhorst
Agent: Jennifer Plisch
Dec 01,2020
Nikki was very helpful locating and informing of various options. She remained involved and guided me throughout the process. I was very pleased and will be recommending her to others!!!
LasChae Dickerson
Agent: Nikki Walker
Nov 02,2020
Jens always great, she answered every question I had
Jeremy Cash
Agent: Jennifer Plisch
Sep 14,2020
Application process was seamless. Everything went smoothly and exactly as described by Dan. Zero complaints. 5 stars!!!
Ronald Tyus
Agent: Daniel Price
Sep 05,2020
Very smooth shopping experience.
Daniel Szuba
Agent: Jennifer Plisch
Sep 01,2020
The application process was a seamless one and was not time consuming.
Timothy Whigham
Agent: Jennifer Plisch


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About the author
Ben Peetermans author
Ben Peetermans
Life Insurance Expert
Ben Peetermans is a life insurance editor. He enjoys blogging about various topics, including finance. He has been writing about insurance since 2015. Ben has been featured in various press outlets including FOX, CBS, and NBC.