Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Licensed Life & Health Insurance Agent · Serving clients by phone · Se habla español
Mon–Sat 9am–7pm CT · (214) 622-5366
Life insurance
Whole life insurance is permanent coverage that lasts your whole life as long as premiums are paid. Premiums generally stay level, and the policy builds cash value over time.
Licensed agent · No cost to talk · No obligation · English & Spanish
Coverage does not expire at a certain age as long as premiums are paid.
Your premium is generally set when you buy the policy and does not go up as you age.
Part of your premium builds cash value you may be able to borrow against. Loans and withdrawals reduce the cash value and death benefit.
Term life covers you for a set number of years and usually costs less at first, but it can end before you need it. Whole life costs more but is built to last. At older ages, term options can be limited or expensive.
We’ll show you whole life and term options side by side, in plain language, so you can decide.
Common questions
It depends on your goals. Whole life costs more than term, but it can last for life, keep premiums level and build cash value. It fits people who want permanent coverage; it may not be the best choice if you only need coverage for a few years.
Yes. Many carriers offer whole life to people in their 70s, and some into their 80s, usually with health questions or underwriting. Rates and coverage limits vary.
Cash value is a part of a whole life policy that builds over time. You may be able to borrow against it, but unpaid loans reduce the death benefit. Cash value is not an investment account.
Free phone review
Tell us a little about you and a licensed agent — not a call center — calls you back at the time you choose. No cost, no obligation, English or Spanish.
What to expect
We call you back the same business day, Mon–Sat 9am–7pm CT.
We look at your needs and compare plans from several carriers.
Apply by phone if it fits. We stay your agent after you enroll.
“I started this agency so seniors could talk to one licensed person who explains the options and respects the budget — in English or Spanish.”
Enok Columbie, Founder · Licensed Life & Health agent
Tell us a little about you and a licensed agent will call you back.
Free, no-pressure phone review in English or Spanish.
