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Permanent and flexible coverage that offers cash accumulation.
Get a permanent life insurance policy that fits your needs.
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Quility offers permanent life insurance policies from the top life insurance companies. Discover your options & reach out to our trusted agents if you have any questions along the way.
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Permanent life insurance is the “umbrella” term for different types of life insurance with guaranteed coverage. You can choose the policy that is right for you and your family – it will not expire. Choosing a permanent life insurance policy means choosing a solution that stands by you no matter what.
Benefits of Permanent Life Insurance
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Permanent Life Insurance Policies
Universal Life Insurance
Universal life insurance is an affordable permanent life insurance option that remains intact for a lifetime. Your rate depends on your coverage, age and health. Universal life is popular for its affordability compared to other permanent life insurance options, as well as for its cash value component that can be used to fund your children’s education and supplement retirement income.
Whole Life Insurance
Whole life insurance is a slightly more expensive permanent life insurance option that is intact until you pass away. Your coverage can range from enough to cover your funeral expenses to a wide range of values that fit your budget. Whole life policies have fixed premiums for the lifetime of the policy – and they are most attractive because they guarantee a death benefit and come with a built-in cash value.
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What is the difference between term and whole life insurance?
The main difference between term life insurance and whole life insurance is that with a term policy, you “rent” your coverage for a 10, 15, 20, 25, or 30-year term by making affordable monthly payments to keep your policy in force. With whole life insurance, you “own” your coverage until you pass away and receive additional benefits such as payment flexibility and cash values. If term life insurance is right for you, you can apply online today.
How much life insurance coverage do I need?
Quility is designed to help people make the best insurance choices for their life. We understand that everyone has different life insurance coverage needs and that there is no one-size-fits-all insurance plan. If you are in the market for a whole life insurance policy to pay for funeral expenses, learn more about final expense insurance. You can also check out our guide on life insurance coverage to help determine the right amount of coverage for your family.
When should I buy permanent life insurance?
Premiums for whole life insurance and universal life insurance, like other types of life insurance, depend on your age and health at the time of your application. In addition, whole life policies have fixed premiums for the lifetime of the policy. For the best rate, get started today.
Is universal life insurance the same as whole life insurance?
Universal life insurance and whole life insurance are two common types of permanent life insurance. While they have many similar advantages, their main differences are in the amount of years you pay premiums – with universal life longer than whole life – and how you can use your cash value component. To ensure you are getting the most affordable and best-fit policy for your life’s needs, we recommend connecting with one of our insurance agents.
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Secure permanent life insurance in a few simple steps with support from our trusted agents.