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Affordable Whole Life Insurance

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Affordable Whole Life Insurance	Top of Page

Unlike Term Life Insurance, Whole Life Insurance never expires. Whole life insurance is complete life insurance, combining death benefits for your whole lifetime plus cash value that you can use while you are alive. Part of the premium you pay is applied to insuring your life and another part is invested in stocks and bonds or an interest-earning bank account. If your policy investments are doing well, the policy earns dividends and your cash fund grows, with taxes deferred. You may borrow against it for any reason, or you can receive a lump sum if you cancel the policy. Many people use the accrued cash fund to add to their retirement income.
With Whole Life Insurance, your premium always stays the same, but initially that amount is higher than for term life insurance. In the long run, the premium will be less than the premiums for a term renewal policy. The death benefit is always the same as well.


Universal Life Insurance	Top of Page

Universal Life Insurance is a form of whole life insurance, with more flexible premiums and coverage amounts. After the first year’s premiums are paid, the insured may change the timing or amount of subsequent premiums or the amount of the death benefit. However, change will require proof of insurability.

Like whole life insurance, Universal Life Insurance has an investment benefit as well as a death benefit. This permanent life insurance builds tax-deferred cash value for you at a guaranteed minimum rate of return plus an additional return as credited by the insurance company. With Universal Life Insurance, the insured has the right to increase or decrease the investment amount and/or premium payments, within certain limits. Interest is credited at short-term interest rates. This amount of flexibility in the policy generally requires higher premiums.

Let us help you find the best, most affordable life insurance to suit your circumstances. Just fill out the information below.

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Let LM Financial Help	Top of Page

Why it pays to let LM Financial help you find
the best, most affordable whole life insurance

We will contact you promptly.
We will never sell your personal information to anyone.
Our computerized quote database accurately determines the coverage you qualify for.
You will get quotes from several highly-rated insurance companies, to make sure you get the best coverage at the best price.
We will assist you in getting your life insurance policy issued quickly and efficiently.We are committed to providing excellent customer service and the best term life insurance.

Affordable Term Life Insurance

"The Best Low Cost Quotes, Online"

Affordable Whole Life Insurance