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Whole Life Insurance Quotes
Whole life insurance is a type of life insurance policy that remains in effect for as long as you live, provided the premiums are kept up to date. In addition to the payout value, whole life policies include a cash value account that can be used by the policyholder even while the insured person is still living. When comparing life insurance quotes, you'll quickly notice that whole life insurance costs more than a term life insurance plan, but it also has numerous advantages, including the fact that a term life policy will expire while a whole life policy has a guaranteed payout regardless of how long the insured person lives. Whole life policies have many different uses. You might buy a whole life policy to leave an inheritance for your children, or pick up a policy to leave behind money for bills and household upkeep after you have passed away. For those on a limited budget, whole life insurance can be purchased expressly to pay for your final expenses such as funeral costs. This type of whole life coverage typically pays directly to the chosen funeral home, with rates low enough that you will not have to worry about how to make the premium payments. When looking for a policy, start by getting free whole life insurance quotes using our site. By getting a rate quote from US Insurance Agents, you can tailor the policy for your specific needs and then compare whole life insurance rates between several different insurance companies. You should still check the financial stability of the insurance company by looking at the ratings fro a financial watchdog company such as the A.M. Best Company, but comparing quotes will help you narrow down the choices so you can concentrate on investigating the companies which have the most to offer you. You should also read life insurance reviews to see what a company's customers have to say about them. The accrued cash value of a whole life policy has another benefit; you can use the accrued value without affecting the guaranteed payout amount. Since the money you pay into the policy belongs to you, you can even borrow against your whole life policy without going through a credit check, putting up collateral or any of the hassles associated with ordinary loans. Start your free whole life insurance rates comparison process now by filling out our quick and easy quote form.