Whole Life Insurance

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Lifelong Protection with Lasting Value

Whole life insurance offers permanent coverage and guaranteed peace of mind. As long as you pay your premiums, your loved ones will receive a tax-free payout no matter when you pass away. It also builds cash value over time-giving you access to funds you can use during your lifetime. Whether you're planning ahead or leaving a legacy, we'll help you explore your options.

What's Typically Covered

Whole life insurance provides:

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Guaranteed Death Benefit

Your beneficiaries receive a payout when you pass away

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Level Premiums

Your monthly cost never increases, no matter your age or health

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Cash Value Growth

Part of your premium builds value you can borrow against

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Lifetime Coverage

Coverage doesn't expire as long as premiums are paid

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Optional Riders

Add benefits like long-term care or accelerated death benefits

We'll help you understand how whole life works and how it fits into your long-term plan.

Who Should Consider Whole Life Insurance?

Whole life is a good fit for:

  • Families who want lifelong security
  • Adults planning end-of-life expenses
  • Individuals interested in estate planning
  • People who want a policy that builds value
  • Those with permanent dependents or care needs

It's also commonly used to leave behind an inheritance or to fund funeral costs.

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Why Florida Families Work with Insured Choice

01

Local, Honest Advice

We walk you through the pros and cons-without upselling or rushing you.

02

Customizable Policies

Choose from flexible options that grow with your financial situation.

03

Long-Term Support

We're here to help you adjust your coverage or access your cash value when life changes.

FAQs About Whole Life Insurance in Florida

  • How is whole life different from term life?

    Whole life lasts forever and builds cash value. Term life is temporary and doesn't build value-but it's more affordable.

  • Can I borrow money from my whole life policy?

    Yes-you can borrow against the cash value that builds over time. Just note that unpaid loans reduce your death benefit.

  • Is the payout guaranteed?

    Yes-your beneficiaries receive a guaranteed amount as long as premiums are paid and the policy is active.

  • Is whole life insurance expensive?

    It does cost more than term life, but you get permanent coverage plus a growing cash value account.

  • What can I use the cash value for?

    Anything-college costs, emergencies, retirement supplement. It's your money, available while you're living.

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Lifelong Coverage with Real Value

We'll help you choose a whole life plan that protects your future and fits your finances-for life, not just a term.