Ron Kinnersley InsuranceCoverage that does not have an expiry date.
Whole life insurance stays in force for your entire life as long as premiums are paid, and a portion of each premium builds cash value inside the policy over time. Unlike term life, it does not run out at the end of a set number of years, and the premium generally does not rise as you age.
See what coverage that never expires costs to hold
Whole life is priced to stay in force for the rest of your life, so the number that matters is the premium you are locking in, not this year's rate. Ron compares carriers on that basis before he recommends one.
- ✓ In force for life as long as premiums are paid
- ✓ Part of every payment builds cash value inside the policy
- ✓ Premium generally fixed, so it does not climb as you age
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Any figure named on this site is a sample estimate for illustration only, not a quote or an offer of insurance. Ron prices your actual policy after a short conversation.
What you are really buying is the guarantee it is still there.
A permanent policy does not expire. That is the whole difference, and it is why whole life costs more than term for the same benefit. You are paying to remove the risk that the coverage runs out before the need does.
Coverage that never expires
As long as premiums are paid, the policy stays in force for your entire life rather than for a set term.
Builds cash value
A portion of each premium accumulates inside the policy, and depending on the carrier and product it may be accessible by loan or withdrawal.
Level premium
On most whole life products the premium is fixed for the life of the policy, so the cost does not rise as you get older.
Is it worth paying more than term for the same benefit?
Often it is not. If the need genuinely ends when the mortgage is paid and the children are grown, term is the better buy and Ron will tell you so.
Whole life earns its cost in two situations: when the need has no end date, such as leaving something behind regardless of when you die, and when the cash value is doing a job inside a broader plan. Outside those, the extra premium is buying something you will not use.
Whole Life Insurance across the Sacramento metro
Other coverage Ron places
Final Expense Insurance
A small whole life policy that pays funeral and burial costs in cash to the person you name, with a premium that does not climb as you age.
- ✓ Simplified underwriting, usually no medical exam
- ✓ Benefit paid to your beneficiary, not the funeral home
- ✓ Premium generally level for the life of the policy
Term Life Insurance
The most coverage per dollar for the years your family would feel a lost income hardest, at a premium locked for the whole term.
- ✓ Premium locked for the full length of the term
- ✓ Term matched to a payoff date or a child's age
- ✓ Many policies convert later without new underwriting
Mortgage Protection Insurance
A term policy sized to what you still owe on the house, paid to your family rather than to the lender so they can stay put.
- ✓ Benefit goes to your family, not to the bank
- ✓ Term set to your payoff date, not a round number
- ✓ Stacks on top of life insurance you already own
ACA Marketplace Health Plans
Individual and family plans through the exchange, compared on what you actually pay after the premium tax credit rather than before it.
- ✓ Bronze through Platinum compared on real out of pocket cost
- ✓ Premium tax credit checked before you enroll
- ✓ No added cost for using an agent
Whole life questions
How is whole life different from term life?
Can I access the cash value?
Does the premium ever increase?
Is whole life more expensive than term?
See what lifetime coverage costs to hold
Ron compares carriers on the premium you are locking in, not on a first year rate.