Whole Life Insurance

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.
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whole life insurance

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: December 26th, 2022

Reviewed by Nick Fenske
Licensed Insurance Agent

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.

Best Whole Life Insurance Providers

Top Companies for Whole Life Insurance

CompanyPriceFeaturesQuality
AARP
Gerber
Mutual of Omaha
New York Life

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
6%
Average
2%
Poor
0%
Bad
1%
Jan 21,2023
Porfiria Martinez Verified
Stockton,CA
So far I'm still waiting for the application to be approved, I would not be able to rate the service yet. So far everything has been smooth.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Sep 14,2021
Susan Woodruff Verified
Livingston,TN
Efficient with great staff!
Company:
Independent Order of Foresters
Product:
Strong Foundation
Policy length:
20 years

Jun 16,2021
Charles Morehead Verified
,OK
I obtained a valuable policy with great ease. My agent Nikki Walker was both friendly and professional. I throughly enjoyed my experience...
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Whole Life Life Insurance

Jun 07,2021
Wiley Barber Verified
Tifton,GA
Great job. Great information.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Whole Life Life Insurance

May 06,2021
D'Ann (Ry'Leigh) Deleon (Vela) Verified
Kyle,TX
Applying for Life Insurance was super easy and very quick!Thank you! D’Ann
Company:
United of Omaha Insurance Company
Product:
Mutual of Omaha Childrens
Policy length:
Children

Apr 30,2021
Mary Sherlock Verified
North Augusta,SC
Great everything was explained and the service was great
Company:
Gerber Life
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Apr 17,2021
Amoria Bird Verified
,NC
Super helpful without the drawn out over explanation of the choices I had for coverage options!
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
GI Universal Life

Apr 15,2021
Nadia Rutledge Verified
Shreveport,LA
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!
Company:
Great Western Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Apr 02,2021
Linda Carter Verified
Richmond,VA
It was an excellent experience
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
GI Universal Life

Mar 12,2021
Robert Snow Verified
,CA
Got what I needed at a reasonable price.
Company:
America's Consumers and Affiliates
Product:
TRANSSELECT Term10
Policy length:
10 year

Mar 01,2021
Mary Sherlock Verified
North Augusta,SC
It was wonderful!!! We highly recommend you guys to my friends
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Feb 18,2021
Linda Forbes Verified
Montezuma,GA
She was nice helpful consistent. She explained she followed up with me. I can call her if need anything.
Company:
Independent Order of Foresters
Product:
Strong Foundation
Policy length:
20 years

Feb 05,2021
Donnashay Hamilton Verified
Brooklyn,NY
I had a good experience. Mrs Nikki was very professional and patient. This was a long time coming.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Jan 07,2021
Eddie Vanderhorst Verified
Austin,TX
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.
Company:
America's Consumers and Affiliates
Product:
TRANSSELECT Term10
Policy length:
10 years

Dec 23,2020
Tammy Jackson Verified
Santa Rosa,CA
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
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Guaranteed Acceptance Life Insurance

Dec 19,2020
Brenda Hagemann Verified
Winston-Salem,NC
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.
Company:
United of Omaha Insurance Company
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Dec 14,2020
Camilla Senteneri Verified
Rio Grande,NJ
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!
Company:
Mutual Of Omaha
Product:
GI - Max Pay Age 84
Policy length:
Accidental Life Insurance

Dec 01,2020
LasChae Dickerson Verified
Gretna,VA
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!!!
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Nov 02,2020
Jeremy Cash Verified
Mesquite,TX
Jens always great, she answered every question I had
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 29,2020
Donna Watson Verified
,VA
Very pleased to deal with these people... no harassing, very polite and easy to speak with!
Company:
Fidelity Life Association
Product:
GI - Max Pay Age 84
Policy length:
Final Expense Whole Life

Sep 14,2020
Ronald Tyus Verified
,DC
Application process was seamless. Everything went smoothly and exactly as described by Dan. Zero complaints. 5 stars!!!
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
GI Universal Life

Sep 09,2020
Linda Ullman Verified
,GA
Seemed easy over the phone!
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Sep 08,2020
Donna Lathon Verified
Belton,MO
very easy didn't take too much time. Great experience
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Whole Life Life Insurance

Sep 05,2020
Daniel Szuba Verified
Chesapeake,VA
Very smooth shopping experience.
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 01,2020
Robert McTernan Verified
Lions,IL
It was very easy. Jennifer was very truthful and kind
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental Life Insurance

Sep 01,2020
Timothy Whigham Verified
Lombard,IL
The application process was a seamless one and was not time consuming.
Company:
America's Consumers and Affiliates
Product:
TransElite Universal Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 01,2020
Ricardo Ebia Verified
Ewa beach,HI
Excellent service and we'll inform on the policy. Thank you for your help. Rick
Company:
Gerber Life
Product:
TransElite Universal Life
Policy length:
Accidental Life Insurance

Aug 18,2020
Deborah Malins Verified
,MI
Easy to use and excellent price
Company:
Fidelity Life Association
Product:
RD Final Expense
Policy length:
Whole Life Life Insurance

Aug 18,2020
Teresa Strickland Verified
Jasper,GA
I had an excellent experience. Jennifer Plisch was very helpful and knowledgeable.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Aug 08,2020
Nadia Rutledge Verified
Shreveport,LA
It was easy and now I’m stress free because of it!
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Jul 19,2020
Freda Wheatcraft Verified
Valdese,NC
It was an easy process and the company has been around for many years and has a stable history.
Company:
Aetna/American Continental Life Insurance Company
Product:
Final Expense - Level Bennefit Plan
Policy length:
Whole Life Life Insurance

Jul 06,2020
Sylvia Donnell Verified
Oklahoma City,OK
Very simple, all online and over the phone.
Company:
Royal Neighbors of America
Product:
Level Benefit
Policy length:
Whole Life Life Insurance

Jun 28,2020
Ford King Verified
Las Vegas,NV
GREAT TO DEAL WITH YOU.FAST AND VERY EFFICIENT.
Company:
United of Omaha Insurance Company
Product:
Living Promise
Policy length:
Whole Life Life Insurance

May 09,2020
Billie Feuerbacher Verified
Creede,CO
This was a greatly appreciate efficient, simple process.
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

May 09,2020
Christos Kouzinoglou Verified
Loganville,GA
Absolutely excellent service
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Apr 13,2020
Brandon Bing Verified
,AL
Easy application and fast acceptance
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Mar 31,2020
Antoinette Moore Verified
Easton,PA
Very smooth process.
Company:
United of Omaha Life Insurance Company
Product:
Living Promise
Policy length:
Guaranteed Issue Life Insurance

Mar 23,2020
Anthony Rando Verified
Freehold,NJ
very easy to process application
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Mar 23,2020
Philip Kraus Verified
Bellville,OH
Easy and effortless to navigate.
Company:
United Home Life Insurance Company
Product:
Express Issue Deluxe
Policy length:
Whole Life Life Insurance

Mar 09,2020
Anthony Rando Verified
Freehold,NJ
Very easy process completing my policy
Company:
NCE Group Life Insurance
Product:
NCE Protection Plus
Policy length:
Guaranteed Issue Life Insurance

Mar 09,2020
Brandon Thibeaux Verified
Las Vegas,NV
Great service!! Awesome and very patient.
Company:
NCE Group Life Insurance
Product:
NCE Protection Plus
Policy length:
Guaranteed Issue Life Insurance

Feb 24,2020
Rita West Verified
Bartow,FL
5 stars, excellent service very quick process.
Company:
American National
Product:
Signature Guaranteed UL
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 02,2020
Patricia Brewer Verified
Divide,CO
I had a good experience because my agent, Jennifer Plisch, was extremely helpful and compassionate.
Company:
United Home Life Insurance Company
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Aug 26,2019
Janet James Verified
McKinney,TX
The application process was easy.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Whole Life Life Insurance

Aug 20,2019
Timothy Hart Verified
Pompano Beach,FL
Was easy and thorough.
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Age to 100

Aug 20,2019
Joann Orr Verified
Hopatcong,NJ
Very pleased with true-blue
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Whole Life Life Insurance

Jul 17,2019
Papani Faafolau Verified
Tacoma,WA
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.
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Jul 10,2019
Fabiana Rodriguez-Irizarry Verified
Wimauma,FL
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.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Jul 04,2019
Randall Cates Verified
Colorado Springs,CO
It was a nice quick process and I’m am very happy with the results
Company:
5 Star Life Insurance Company
Product:
To Age 100 Term
Policy length:
10 years

Jun 12,2019
Franklin Adams Verified
,NY
Awesome customer service.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Acceptance Life Insurance

Jun 02,2019
Douglas Yoder Verified
Port Charlotte,FL
Was very please with the everything I love Gerber life insurance prices are very reasonable will always recommend them thank you
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Jun 01,2019
Kristen Nelson Verified
Horace,ND
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.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

May 28,2019
Wallace Little Verified
Soperton,GA
Handle smoothly,quickly and professionally.
Company:
Mutual of Omaha Insurance Company
Product:
Mutual of Omaha Childrens
Policy length:
Whole Life Life Insurance

May 25,2019
Jay Opre Verified
Port Orange,FL
fine everything in timely manner
Company:
United of Omaha Life Insurance Company
Product:
Living Promise
Policy length:
Age to 100

May 06,2019
Robert Finucci Verified
Rigby,ID
Great Service. Friendly and knowledgeable staff. Would definitely recommend them.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

May 06,2019
Sheena Cauthorn Verified
Clinton,WA
The process was easy and informative.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Apr 30,2019
Justin Villines Verified
Little Rock,AR
Very easy on boarding me with the services I wanted. Jason was amazing . Highly recommend
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Apr 11,2019
Jason Johnson Verified
Mountain House,CA
Delivered all information regarding our policies as promised. They addressed and resolved any minor discrepancies, Would use this company again
Company:
Assurity Life Insurance Company
Product:
Term Life
Policy length:
30 years

Mar 27,2019
Karen Hoff Verified
,TX
The process was quick and easy.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Mar 19,2019
Holly Dempsey Verified
Raleigh,NC
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
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Mar 08,2019
Noni Brooks Verified
Maple Heights,OH
The best experience!!! You guys gave me hope when I was hopeless. Thank you
Company:
United Home Life Insurance Company
Product:
Express Issue Deluxe
Policy length:
Age to 100

Feb 17,2019
Craig Dean Verified
Prescott Valley,AZ
Sagicor was very cooperative and patient as I looked at several other companies to find the best price and policy to fit my needs.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 05,2019
Jamerial (Jacqui) Goss Verified
Chicago,IL
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
Company:
American National Insurance Company
Product:
Signature Guaranteed UL
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 04,2019
Manita Ferdinand Verified
,NJ
Great experience . We obtain the policy quickly and received everything in the mail two weeks later
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Dec 30,2018
Josephine Azzopardi Verified
Naples,FL
perfect will use again five stars
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Dec 11,2018
Rettie Sargent Verified
Baker,FL
Was great . I would recommend them to anyone.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Nov 28,2018
Jonas Smith Verified
Toledo,OH
Started off rough but they gave me th insurance i need thanks to jason fighting for it
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Age 121

Nov 26,2018
Jerry Carrillo Ortiz Verified
Santa Fe,NM
Easy and quick! Received confirmation via personalized note.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Age to 100

Nov 08,2018
Tyrone Borden Verified
Temecula,CA
Great Service, Thank you!
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Nov 07,2018
Ramona Dahl Verified
Georgetown,TX
Excellent product and service.
Company:
Columbian Mutual Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Issue Life Insurance

Nov 07,2018
Rodolfo Escubio Verified
San Francisco,CA
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.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Oct 12,2018
(Michael) Ludmila Minot Verified
Warren,OH
Fast and accurate. The quote was fair and the processing fast.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Oct 12,2018
Violeta Cudal Verified
Stockton,CA
Awesome overall experience!
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Sep 14,2018
Clara Orosco Verified
Milwuakee,WI
Professional and fast in approval.
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Whole Life Life Insurance

Sep 05,2018
Lisa Wommack Verified
Wake Forest,NC
The company delivered a fair and equitable policy.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Aug 17,2018
William Carroll Verified
Moriarty,NM
See note above about policy delivery time. Otherwise fine.
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Aug 15,2018
Walter Smith Verified
Galesburg,IL
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.
Company:
Assurity
Product:
Simplified Level
Policy length:
Age 121

Jul 28,2018
Lydia Cisneros Verified
Brownsville,TX
Amazing customer service and fast
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Age 121

Jul 19,2018
Kelci Dotson Verified
Chattanooga,TN
Great experience so far.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Jul 16,2018
Troy Gaylor Verified
Fairfax,VA
We just began. No opinion as of yet.
Company:
Assurity Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Whole Life Life Insurance

Jul 08,2018
Jerry West Verified
Bartow,FL
5 stars, excellent Insurance company. Great products to fit my needs, great price and quick approval.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Jun 22,2018
Sonia Chavarria Verified
,CA
Fast processing-simple questions and screening the application is faster than expexted
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Jun 15,2018
Shirley Burks Verified
Memphis,TN
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
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Jun 05,2018
Michael Feeney Verified
Indian Trail,NC
Great company. Are used to work as an agent and I could never find the type of coverage that they got me
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

May 18,2018
Jimmy Wilson Verified
,OR
Great! Fast and easy process. Put my mind at ease.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Age to 100

May 13,2018
Merilee Reeves Verified
Murfreesboro,TN
Great experience, easy!
Company:
Phoenix Life Insurance Company
Product:
SI-Safe Harbor Term Express
Policy length:
10 year

May 09,2018
Peter Ahwesh Verified
Allison park,PA
This life insurance product looks to be a good value for the price, and fits my needs.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Whole Life Life Insurance

Apr 29,2018
Toni Maxwell Verified
,CA
Great help in time of need, awesome working with my agent. Couldn’t of been more happy with the service.
Company:
Gerber
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Issue Life Insurance

Apr 23,2018
Rebecca Brookins Verified
,PA
I’m glad Gerber had a package for my family. Thank you.
Company:
Gerber
Product:
Guaranteed Issue
No Health Questions
Policy length:
Guaranteed Issue Life Insurance

Apr 18,2018
Gary Colp jr Verified
Granite City,IL
Very satisfied with my experience. No complaints.
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

Apr 17,2018
Michael Nichols Verified
Byram,MS
Professional experience
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

Apr 04,2018
Mylan McDowell Verified
,FL
Fast processing and quick to meet our needs
Company:
Mutual Of Omaha
Product:
Guaranteed ADvantage
Policy length:
Accidental

Apr 01,2018
Patrick McGready Verified
,PA
They're very efficient and they get your policy in order quickly, I'd definitely recommend using Assurity.
Company:
Assurity Life Insurance Company
Product:
Assurity Graded Benefit
Policy length:
Whole Life Life Insurance

Mar 27,2018
Natalie Long Verified
Le Claire,IA
Wonderful so far, rcvd documents immediately and love the extra benefits
Company:
LifeShield
Product:
LifeShield
Policy length:
5 years

Mar 27,2018
Mylan McDowell Verified
,FL
Very quick service! The policy met our needs and budget.
Company:
Assurity Life Insurance Company
Product:
Accidental Death Insurance Plus
Policy length:
Accidental

Mar 19,2018
Shannon & Liz Hyde Verified
,FL
Quick to respond with email.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Mar 06,2018
Mark Law Verified
Lawerence,KS
Jason was very helpful.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
Age 121

Feb 18,2018
Jamie Behrens Verified
Smithville,MO
Very good. I would recommend.
Company:
Sagicor Life Insurance Company
Product:
Sage Universal Life - No Exam
Policy length:
To Age 121 Level (No Lapse U/L)

Feb 07,2018
Ted Purvis Verified
Axson,GA
Thank so much for all your help.
Company:
United Home Life Insurance Company
Product:
Express Issue Deluxe
Policy length:
To Age 121 Level (No Lapse U/L)

Jan 21,2018
Khampha Simmaly Verified
Atherton,CA
Very good company. Reasonable in underwriting.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:
To Age 121 Level (No Lapse U/L)

Dec 26,2017
Cheryl Lund-Haddock Verified
Centralia,WA
Great company so far
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:
Age to 100

Dec 15,2017
Anthony Joyner Verified
,TN
I think it very good. I would recommend this company to my friends and family.
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:

Nov 25,2017
James Moore Verified
Colombia,MO
I already have a couple policies with Mutual of Omaha, so this last one fit right in.
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:

Nov 24,2017
Ralph Dupuy Verified
,TX
Service was great and expedient. thanks Jen with /tru blu
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:

Nov 18,2017
Nicholas Brown Verified
Hopewell Junction,NY
The transaction was easy to execute.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Nov 08,2017
Robin Sills Verified
Scottsburg,IN
I have not had enough contact with Assurity to give an overall evaluation.
Company:
Assurity Life Insurance Company
Product:
To Age 100 Term
Policy length:
To Age 121 Level (No Lapse U/L)

Nov 02,2017
Sheila Young Verified
Temple Hills,MD
So far so good. No complaints
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:

Oct 31,2017
Faith Simpson Verified
,AL
I'VE USED GERBER FOR MY OTHER POLICES AND ITS ALWAYS BEEN A GOOD EXPERIENCE.
Company:
Gerber Life
Product:
Guaranteed Issue
No Health Questions
Policy length:
Age to 100

Sep 20,2017
Pai Thao Verified
Menasha,WI
Excellent rates and coverage.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Sep 18,2017
Tong Tran Verified
,CA
Easy Transactions. Very Good
Company:
Mutual Of Omaha
Product:
Living Promise
Policy length:

Aug 08,2017
Kerry N Zenich Verified
,OR
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!!
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:

Jul 30,2017
Randall Honderd Verified
Lakeview,MI
Great company first class number 1 in our book!
Company:
Assurity Life Insurance Company
Product:
Simplified Level
Policy length:

Jun 05,2017
Charles Rosenblum Verified
Jacksonville,FL
Very helpful- quick to respond and got the application submitted right away.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Issue Life Insurance

Mar 30,2017
Gretchen Murray Verified
Sandy,UT
5 starts. So easy and you can still talk to a real person.
Company:
Kemper Life
Product:
Senior Solutions GI
Policy length:

Dec 18,2016
Stephanie Campbell Verified
Enterprise,MS
The agent was very helpful and done an excellent job helping me to find the right life insurance coverage!
Company:
United Home Life
Product:
Express Issue Graded Whole Life
Policy length:

Aug 15,2016
Earnest Oblander Verified
,KY
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.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:

Jul 21,2016
Yolanda Camarena Verified
,CA
In one word, excellent service!!
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:
Age to 100

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