Whole Life

Secure Lifetime Stability for You and Your Family

Permanent and flexible life insurance that offers cash accumulation

Request a Whole Life Policy Quote Today

Whole Life Policy

A Whole Life Insurance provides death benefit coverage for the life of the insured or until the maturity date of the policy. Your rates will never increase. Aside from the death benefit a whole life policy also accumulates cash value over time.

Don't Wait to Buy Coverage

As with any type of life insurance, your premiums for both term life insurance and universal life insurance policies will be based in large part on your attained age and your health status when you complete an application for insurance coverage.

So, purchasing insurance while you are young and relatively healthy is a good idea, because your premiums will be lower than if you waited to buy life insurance. Of course, waiting too long could also mean that if some unanticipated health issue arises, you may not be eligible for coverage later.

Frequently Asked Questions

Q: What is the difference between whole life and term insurance?

The main difference between term life insurance and whole life insurance is that with a term policy, you “rent” your coverage for a 10, 15, 20, 25, or 30-year term by making affordable monthly payments to keep your policy in force. With whole life insurance, you “own” your coverage until you pass away and receive additional benefits such as payment flexibility and cash values. If term life insurance is right for you, you can apply online today.

Q: When should I buy permanent life insurance?

Premiums for whole life insurance and universal life insurance, like other types of life insurance, depend on your age and health at the time of your application. In addition, whole life policies have fixed premiums for the lifetime of the policy.

For the best rate, get started today.

How does whole life insurance work?

Apply for Coverage

Whole life insurance starts with an application for coverage with an insurance company. With Zuccerella Insurance we can facilitate your entire application online. Book a consultation with your independent licensed broker, Jodie.

Make Payments

Once your policy is in force with an insurance company, you pay premiums to maintain coverage. As your insurance needs change, your premiums can be adjusted – simply reach out to your agent.

Use the Cash Value Component

As your policy matures, you can withdraw from the accumulated policy cash value. If you don’t need life insurance anymore, you can surrender your policy and receive an equivalent sum of funds to the surrender cash value.

Q: How much life insurance coverage do I need?

The best time to buy term life insurance is now. Life insurance is intended to provide a cash death benefit to your named beneficiary (or beneficiaries) after you die. Of course, none of us can know when we'll die, or when our health situation might change for the worse. Because qualifying for term life insurance is based on your health at the time of application, it just makes sense to buy coverage now. Hopefully, your term life insurance policy will never be needed. If it is, your loved ones will appreciate the fact that you took the time for insurance planning when you did.


Q: Can I afford Whole Life Insurance?

Everyone has different life insurance budgets and goals, but permanent life insurance policies (whole life) are generally more expensive than temporary life insurance policies (term life). However, with the increased premium comes peace of mind for a lifetime compared to certain stages of life. Whole life also has options with adjustable premiums, flexible policy terms and a cash value component.

Would You Like To Request a Quote?

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