life insurance quote
Life Insurance Types
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Variable Life Insurance
- PPO Rider Life Insurance
- Permanent Life Insurance
- Equity Indexed Universal Life

Life Insurance Education
- Life Insurance Basics
- Life Insurance Glossary

Life Insurance Companies
- CNA Life Insurance
- First American Life Insurance
- Yosemite Life Insurance
- Credit Union Life Insurance
- Metropolitan Life Insurance

Whole Life Insurance

Unlike term life insurance, whole life insurance is a policy that combines a term policy along with an investment one. The investment usually is in money-market or bonds and sometimes stocks. As a result of the investment aspect of the policy, the premiums are a lot more expensive because you have to pay for the investments, although you are able to borrow against the cash value. Most insurance agents would agree that this method of saying for retirement is not good because of the fees and high commissions.

Fixed Monthly Payments
Just like a term life insurance, you can have a fixed monthly premium for your whole life insurance.

A popular complaint about whole life insurance is whether or not your particular policy will ever pan out to a good investment or not. This usually requires someone who is familiar with whole life policies who can come up with conclusion. Note that if you purchase any notes in your policy, it takes over 20 years for any worthwhile returns.