Compare whole life and term life insurance on premiums, coverage, cash value, and flexibility. Determine which life insurance type provides the best protection for your family.
Use our free Life Insurance Calculator to analyze your own situation and make the best decision.
Term life insurance typically costs 5 to 15 times less than whole life for the same coverage amount. A healthy 30-year-old might pay $25 per month for a $500,000 term policy versus $300 or more per month for equivalent whole life coverage.
Many term policies include a conversion rider that allows you to convert to a permanent policy without a medical exam. Conversion is typically available during a specific window (often the first 10-20 years) and locks in your health rating from when you originally applied.
Whole life insurance is primarily a protection product, not an investment vehicle. Its cash value grows at a guaranteed but modest rate (typically 2-4%). Most financial advisors recommend maximizing retirement accounts before considering whole life as an investment strategy.
Compare the top-rated life insurance companies for term and whole life policies. Find affordable coverage to protect your family from trusted providers.
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