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Whole Life

What do you want from your life insurance? You might be looking for predictability — a policy you keep permanently, premiums that never change and a guaranteed death benefit. Maybe you like the idea of a policy that builds cash value you can access to help you with financial obligations. Perhaps you want to help protect your family’s financial future with higher coverage levels.

Whole life is permanent insurance that might be a good option. As long as you continue paying your premium, it may be a way to help prepare for the future and provide for heirs.

Talk to your agent about ways whole life insurance from Rodriguez Insurance Agency may help you reach your goals.

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You value predictability

Challenge:

You want an opportunity to build cash value that may help you with things such as making a down payment on a house, paying for a wedding or supplementing your retirement income.

Coverage:

Simple Whole Life may appeal to those seeking more certainty than other types of life insurance — its cash value, premium requirements and death benefit won’t vary based on prevailing interest rates or market performance.

Here are some features of Essential Life Simple Whole Life:

  • Coverage issued between the ages of 15 days and 80 years — with proceeds paid to age 121.

  • Policies with coverage that starts at $15,000.

  • A guaranteed death benefit that is generally income tax-free.

  • Coverage is guaranteed for your lifetime — or the life of the policy — with a level premium, provided premiums are paid per terms of the contract.

  • Automated underwriting — a medical exam may not be required.  Issuance of a policy may depend on answers to questions set forth in the application.