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Whole Life
Whole Life insurance provides both a death benefit and a cash value. As permanent life insurance, the death benefit remains in force for as long as the policy premiums are paid and the cash value portion continues to grow over time.
As you use life insurance to plan for the future and cover unpredictable possibilities, the cash value building within your Whole Life policy gives you secondary options. You are able to access the cash value while you still provide coverage should the unexpected occur. With Whole Life insurance, you can provide insurance for those who rely on you for support if you are no longer there to protect them — and at the same time, you can also plan for the future should the death benefit never be used. Whole Life insurance can provide welcomed flexibility as you plan for your family’s life events.
As you might expect, Whole Life premiums are initially more expensive than Term Life. However, the longer the policy has been in force, the higher the cash value. In addition, premiums for Whole Life remain level throughout the life of the policy, guaranteed.
Insphere Insurance Solutions® offers several highly rated Whole Life insurance policy options from well-known life insurance carriers. Because it actually has a dual benefit — with a death benefit and a cash value — a Whole Life policy can play an important role as you plan for your future and the future of your loved ones. With so many variables to consider, your Insphere agent can help you find the solution that meets your needs and fits your budget.
Plan ahead on behalf of those who rely on you. Talk to a local Insphere agent today.
