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Whole Life Insurance

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Whole Life Insurance can provide a lifetime of benefits

Whole life insurance is a type of permanent life insurance policy that remains in effect for the insured’s entire lifetime, provided premiums are paid as required. Unlike term life insurance, which covers the insured for a specified term, whole life insurance provides lifelong coverage and includes an investment component known as the policy’s cash value.

Whole life insurance guarantees coverage for the insured’s entire life, ensuring a death benefit payout no matter when the insured passes away, as long as premiums are paid. The premiums for whole life insurance are typically fixed and do not increase as the insured ages.

It can provide a lifetime of financial benefits to the insured as well. A portion of the premium payments is allocated to a cash value account, which grows over time. This cash value can be borrowed against or withdrawn, although this can reduce the death benefit or increase the premium to maintain the same death benefit. The cash value component of whole life insurance can be a form of forced savings, accumulating wealth over time.

Upon the death of the insured, the policy pays a death benefit to the beneficiaries. This benefit is generally tax-free.  The cash value component often grows at a guaranteed rate of interest, and some whole life policies may also pay dividends. If you have dependents who rely on your income, whole life insurance can provide financial security after your death. The predictability of fixed premiums can be advantageous for long-term financial planning.

Having a whole life insurance policy is a great way to leave a financial legacy to your beneficiaries.

Great service and always available!
Allison Clayton
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe