Whole Life Insurance

What is Whole Life Insurance?

Whole Life Insurance is a policy which is guaranteed to remain in force for the lifetime of the insured provided the premiums are paid, or to the maturity date. The insurance component pays a predetermined amount when the insured individual dies. The policy builds an accumulated cash value the insured individual can borrow against or withdraw. This is the most basic type of cash-value life insurance.

Whole Life Insurance Features

Whole Life Insurance features are as follows:

  • Joint and Survivor Policies
  • Family Income Policies
  • Modified Whole Life Policies
  • Graded Premium Whole Life Policies
  • Vanishing Premium Policies
  • Single Premium Life Policies
  • Credit Life Policies

Why Buy Whole Life Insurance?

  • To Provide Income for the Survivors
  • Liquidate Debts or Mortgages
  • College Expenses
  • Cash for Funeral Estate Inheritance, Funeral Expenses and Administration Costs
  • Provide Funds for the Continuation of a Business
  • Fund Charitable Events
  • Etc.

Whole Life Variables and Considerations:


Lifelong Coverage
Fixed Premiums
Cash Value
Forced Savings
Flexible Options
Tax Deferrals
Certain Death Benefits


Initial Premiums More Expensive
Low Initial Returns
Unfavorable Early Termination
Investment Uncertainty
More Complexity
Long-Term Horizon

Why Convert your Term Life Insurance to Whole Life Insurance?

  • Your Financial Circumstances Improve
  • Your Health Changes
  • Your Life Insurance Needs Change

How Can American Integrity Insurance Solutions Help You with a Whole Life Insurance Quote?

American Integrity Insurance Solutions is an independent insurance consulting agency that partners with dozens of carriers to provide people with unbiased advice on a variety of insurance products.

Our team is readily available to craft a policy that custom fits to your needs. We promise to not only provide a policy fulfilling your specific needs, but also to help you understand how and what it protects you against.

Get a Free Quote Today

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