Retirement & Life Insurance

Ultimate Insurance Whole Life   

Whole life insurance, is a life insurance policy that remains in force for the insured's whole life and requires (in most cases) premiums to be paid every year into the policy.
Whole Life insurance offers level premiums and life insurance protection for as long as you live, provided that premiums are paid as required to keep the policy in force. Whole life policies also provide for the accumulation of cash value on a tax-deferred basis which can be used when you need it, to help with life’s opportunities.

Policy loans do accrue interest, and any outstanding policy loans and interest will reduce the death benefit and cash value.
· Provides for a family’s loss of income, mortgage costs, and educational needs
· Access to cash value for life’s opportunities
· Leaving a legacy for the next generation

The basic difference between term and whole life insurance is this: A term policy is life coverage only. On the death of the insured it pays the face amount of the policy to the named beneficiary. You can buy term for periods of one year to 30 years. Whole life insurance, on the other hand, combines a term policy with an investment component. The investment could be in bonds and money-market instruments or stocks. The policy builds cash value that you can borrow against.


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