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What is Whole Life Insurance?
Most things in life come with an expiration date — from groceries to coupons and even certain types of life insurance. But there's one exception to that rule: a whole life insurance policy. Whole life insurance covers you for as long as you live, at a locked-in rate that won't increase as you age or if your health status changes. It may also build “cash value” over time, which is money that gets set aside with each payment you make for the future.
Ready to get started? Get a free, instant quote today. Or read on to learn why whole life insurance may be just what you need.
How Much Does Whole Life Insurance Cost?
Like most other life insurance products, the cost of whole life insurance is determined by age, health, lifestyle, and other factors that contribute to your placement into what life insurers call a "rate class". In order to determine the exact amount you'll pay for coverage, you'll have to answer a series of questions before receiving a quote.
Whole Life Insurance Premiums
One advantage of whole life insurance policies is that they offer fixed premium rates and death benefits. That means that from the time of purchase to the end of the policy, your premium payments and death benefit should remain locked in place (so long as you make your premium payments on schedule, and haven't taken out any cash value). Your predictable, fixed-rate premium payments can be made on a monthly, quarterly, semi-annual, or annual basis as agreed upon by you and the insurer you choose. You can also work with an agent to create a customized a premium payment plan that works for your budget.
For some, it's the fixed premiums; for others the cash value attracts them to whole life insurance. But, if you're over 50, 60, or 70 years old there may be another reason to consider whole life insurance from Corebridge Direct. A commonly chosen type of whole life insurance called Guaranteed Issue Whole Life insurance (GIWL), offers guaranteed issue coverage up to $25k with no medical exam required. Because of its accessibility, GIWL is often chosen by seniors. Also known as Senior Life Insurance, beneficiaries can use the proceeds to help cover final medical and end-of-life expenses.
How Does Whole Life Insurance Work?
*Policy loans and withdrawals may be taxable and may decrease the face amount or value of the policy. See your policy for details.
How to Apply for Whole Life Insurance
Get started today by requesting a quote. One of our licensed agents will be happy to answer your questions and work with you to find the right whole life insurance policy for you and your family.
Important Information Regarding Graded Death Benefits:
The AGL GIWL policy referenced offers a limited death benefit in the first two years of the policy. Should death occur in the first two years, a death benefit will be equal to 110% of the premiums paid. In the event of suicide, the death benefit is limited to a refund of premiums only.
Applicants must be between 50 – 80 years of age. The total amount of all AGL Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate.
Hear from Our Customers Who Purchased Whole Life Insurance through Corebridge Direct
The endorsements/testimonials presented should not be construed as a recommendation to purchase, or an indication of the value of any product or service. The testimonials are actual Corebridge Direct customers who are not affiliated with Corebridge Direct and were not provided compensation.