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Learn everything you need to know about whole life insurance and compare rates.

  • Ages 0 - 85
  • Policy Lasts For Your Whole Life
  • Up To $500,000 In Whole Life Coverage
  • Final Expense Quotes Available
  • Builds Cash Value Over Time

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Whole Life Insurance Quick Facts


Whole life insurance lasts for your whole life, your rates are locked in, and your policy builds cash value


Monthly premiums are higher since the insurance company is going to give you coverage for your whole life.  

Who Is It For

Whole life insurance is for people who need permanent coverage. We discuss it more below. 

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Why Use Us?

  • Get a whole life insurance quote comparison online.
  • We work with the top life insurance companies
  • We have affordable final expense quotes online as well 

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So, What Is Whole Life Insurance?

As we like to say, "In Plain English," whole life insurance is simply, protection against the loss of life that doesn't have an expiration date.  As long as the premium payments are made, your policy stays in-force and active.

How Does Whole Life Insurance Work?

Whole life insurance is going to last for your whole life as long as the premiums are paid. 

These policies also build cash value, the longer the policy is in-force, the higher the cash value can become.

If you are going with a traditional whole life insurance policy then underwriting could look like this:

  • Medical Exam - At no cost to you, a medical examiner will come out to your home or place of work to complete your exam.  
  • Medical Records Request (APS) - Some underwriters will request your Attending Physicians Statement (APS) along with your medical exam.  These companies want to make sure they have a clear picture and are able to offer you the best rate possible.
  • MIB Check - This is going to check to see if you have any history with past insurance companies or have applied for coverage recently.  
  • MVR Check - This will be used to determine if you are a reckless or crazy driver.  Mainly looking for things like a DUI or DWI.
  • Prescription Check - This check will be used to make sure your statements match the prescriptions you take.

All of these reports are used together to determine your insurability with a particular company.  Remember that each company has their own underwriting guidelines so a "No" from one company doesn't mean an "No" for them all.

The approval process is much simpler for our Final Expense Products.  These products usually have 3 Options: 

  • Level / Standard - This product has several health questions and maybe a phone interview, but usually no medical records or exam and is the most affordable out of the options.  
  • Graded - This product has only a few health questions, is in the middle on pricing, and also has a 2 year period where the coverage amount "Grades up" to the full amount.
  • Guaranteed Issue - This product has no health questions, no medical exams, no medical records and no telephone interview; however, it does have a waiting period and more expensive monthly premiums.

How Long Does It take to get covered?

It is really going to depend on the type of product that you purchase.

For Traditional Cash Value Whole Life, 2 to 4 weeks

For Final Expense Life Insurance, Instantly or up to 1 Week.

Keep in mind that the more underwriting your policy requires the longer an approval will take.

What Type Of Whole Life Insurance Quotes Do You Offer?

Simply Insurance offers a wide variety of affordable whole life quotes online.

We have Both Traditional, Cash Value Whole Life Insurance as well as Final Expense Life Insurance which we cover more below.

Who Buys Whole Life Insurance

Those Who Want Permanent Coverage

People who want permanent coverage usually need it for things like: 

  • Estate Planning 
  • Final Expenses
  • Grow Cash Value
  • Level Premiums For Life

High Income Earners 

High Income earners are going to need whole life insurance for a completely different reason, for things like:

  • stashing away money tax efficiently
  • using paid up additions for extra tax saving
  • IRA Alternative
  • Infinite Banking  see below

What Does Whole Life Insurance Cover?

A whole life insurance policy covers almost anything you can think of and the payout is a lump sum payment, once it's paid out to your beneficiary they can use it to pay for anything.

Here is a list of a few things you can do with a life insurance payout:

  • Pay Off Your Mortgage
  • Get rid of your car note
  • Clear credit card debt
  • Cover Kids College Expenses
  • Pay Taxes
  • Pay Daily Living Expenses
  • Use As Income Replacement
  • Invest (Here are 30+ Ways To Invest)
  • Cover Child Care Expenses
  • Pay final expenses of the insured

The Biggest Myth About
The Cost Of Whole Life Insurance 

The biggest myth about the cost of permanent life insurance is that it's too expensive.  

A recent study from LIMRA found that 63% of people said they wouldn't get life insurance coverage because of its cost.

However, the same study found that life insurance policy quotes are 80% than what people thought they were.  

Don't hold back, it is more affordable to buy whole life insurance than you think.

Didn't think you could get cheap whole life insurance? Guess Again 

How Much Whole Life Insurance 
Do You Need?

Most insurance companies allow you to purchase up to 30x your annual income, but we recommend that you have at the least 10x your annual income in life insurance.

So if you make $50,000 / year, a policy for $500,000 would be our suggestion.

Just remember to buy life insurance that you can afford.

If you are buying for final expenses, the national average for burial insurance is around $10,000 so anywhere between that and $15,000 is more than enough.

Whole Life vs Universal Life

Whole life and universal life are similar in that they offer the ability for you to have coverage for your entire life to make sure your beneficiaries will receive some sort of payout; however, they differ in the flexibility of premiums and costs.

Whole Life Insurance

(Insurance for your entire life)

  • Coverage Last For Your Whole Life
  • Guaranteed Level Premiums For Life
  • Policy Builds Cash Value
  • Retirement Planning
  • Premiums Are More Expensive Than Term

Universal Life Insurance

(Flexible Premium Rates life Insurance)

  • Potential To Earn Dividends
  • Flexible Premium Payments
  • Coverage Up To Age 121
  • Guaranteed Universal Life Option
  • Variable Universal Life Option

Whole Life Vs Term Life

The battle of whole vs term always comes down to the different whole life and term life insurance quotes and rates, as well as the financial protection of your loved ones. 

Whole Life Insurance

(Insurance For Your Entire Life)

  • Retirement Planning
  • Guaranteed Level Premiums For Life
  • Coverage Last For Your Whole Life
  • Policy Builds Cash Value
  • Premiums Are More Expensive Than Term

Term Life Insurance

(Insurance Protection For A Certain Period Of Time)

  • Lowest Monthly Premium
  • 5,10,15,20,30 Term Length Options
  • Rates Can Increase At The End Of The Term
  • Return of Premium Options Available

Best Whole Life Insurance Companies

When it comes to choosing the best whole life company you want to consider things like their financial strength in the insurance industry and if they give you more that one way to pay your premiums; can you pay with a credit card, checking accounts or savings account.

For Cash Value

foresters financial

Foresters Financial
Advantage Plus Whole Life


Issue Ages From 0 - 85
Face Amounts - $50,000 & Up
Provides lifetime coverage Guaranteed level premiums Borrow and use as collateral
tax-free death benefit

For Final Expense

mutual of Omaha final expense

Mutual Of Omaha
Living Promise Product


Issue Ages from 45 - 85
Face Amounts - $2,000 - $40,000
No Exam
Premiums Never Increase
Coverage Will Never Decrease
Builds Cash Value
Graded Benefit Available

Types of Whole Life Insurance

There are two types of life insurance, Cash Value Whole Life and Final Expense Life Insurance.  From my experience, who needs the products and how they are used will vary drastically. 

Below is a general idea of the products benefits and use.

Cash Value Whole Life Insurance
(Permanent Life Insurance)

Age Range: 0 - 85
Coverage Amounts: $50,000 & Up
Health Rate: Preferred Plus to Table Ratings 
Length of Coverage: Whole Life
Approval Speed: Few Days - Few Weeks 

Final Expense Life Insurance
(Life Insurance For Your Burial Expenses)

Age Range: 45 - 85
Coverage Amounts: $2,000 - $25,000
Health Rates: Standard or Guaranteed 
Length of Coverage: Whole Life 
Approval Speed: Instant or Few Days 

Can I get Whole life insurance online? 

If you are looking to shop whole life insurance online, then you have come to the right place.

We have made it easy to apply for life insurance online by offering multiple whole life insurance products.

Our partners make buying whole life insurance online incredibly easy and affordable.

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You won't find another product and company that will make your insurance coverage a priority.

With our whole life plan offerings you can get covered fast and spend more time on other things you care about.

Get Affordable Whole Life Insurance 

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