Whole life insurance
Coverage designed to last your whole life.
Whole life is permanent insurance with cash value that builds over time. Answer two quick questions to see how it could fit your plans. Free, no obligation.
- Permanent coverage as long as premiums are paid
- Builds cash value you can borrow against
- Plain-English answers from a licensed agent
How it works
Three simple steps
- 1
Answer two quick questions
Tap your answers and tell me where to reach you. It takes about a minute.
- 2
I look at your options
I compare coverage that fits your age, health and budget, and explain the tradeoffs in plain English.
- 3
You decide, no pressure
Take your time. If it makes sense, I'll handle the paperwork. If not, I'll tell you.
Is this right for you?
An honest look
This may be a good fit if…
- You want coverage that doesn't expire as long as premiums are paid
- You like the idea of a policy that also builds cash value
- You plan to leave something behind for your family
It may not be if…
- You want the lowest possible premium for a temporary need (term life may fit better)
- You may not be able to keep paying the premiums over the long term
Your agent
I'm Matt Chapman.
Life insurance touched my life before I really even knew what it was. When I was 22 my father passed away after a year long battle with pancreatic cancer. In our home he was the breadwinner. My mom was a stay at home Mom. As I graduated college to start my professional career my immediate family was at a massive crossroad. Fortunately through financial planning and life insurance our lives were able to stay as stable as possible with the loss of my father. We were able to focus on our grief, celebrate the life of my father, and focus on our healing without having to worry about the financial burden.
I have since done the same for my family and I hope to be able to do the same for yours in honor of my father!
Common questions
Straight answers
What is whole life insurance?
It is permanent life insurance designed to last your entire life as long as premiums are paid. It also builds cash value over time.
How is whole life different from term?
Term covers a set period and usually costs less. Whole life lasts for life and builds cash value, but the premium is higher for the same death benefit.
Can I borrow against the cash value?
In general, yes. Policy loans accrue interest, and any balance owed when you pass away reduces the death benefit your family receives.
Is the cash value growth the same for every policy?
No. Cash value growth varies by carrier and policy, and it is usually slower in the early years. We will walk through how a specific policy works before you decide.
Do I need a medical exam?
It depends on the policy, your age, and the amount of coverage. Some policies are issued with health questions only.