Available for
Ages 25-85
Coverage Amounts
$2,000-$5,000,000
Whole life insurance offers lifelong protection with guarantees you can count on. It’s often used to cover end‑of‑life costs, strengthen your estate plan, or leave a meaningful cash benefit to your family members.
Table of Contents
Policy Features
Fully guaranteed benefit from day one as long as premiums are paid.
Premiums never rise in price.
Pay until age 100, or choose a 10-30 year payment plan.
Build Cash-Value and access parts of the insurance benefit while you’re alive.
Early access to a large portion of the insurance benefit if you’re diagnosed with a terminal illness.
(Accelerated Benefit Rider)
What’s Cash-Value?
Cash-value is a component that exists with your life insurance plan that provides you with early access to the insurance benefit.
When you go to pay your premium, the insurance company is going to split it. A portion of the premium will go to the insurance company and the other portion will go towards you building financial value in the life insurance plan.
The financial value that you own within the policy will represent the amount of the insurance benefit that you could access yourself.
This cash is accessible through policy loans and withdrawals.
Policy loans allow you to borrow money from the insurance benefit at your convenience without a credit check. They also provide you with the opportunity to pay the loan back at your own pace. You’ll be charged with an annual interest rate, but won’t have to worry about making minimum monthly payments. If you fail to pay the loan back in full before passing away, whatever was owed on it doesn’t go out to your beneficiary.
Withdrawals are permanent surrenders of the insurance benefit and allow you to keep the portion you’re surrendering for yourself. All withdrawals will feature a surrender fee.
Cash-Value also allows you to receive the full amount that you’ve built into the life insurance plan should you cancel the policy at any point.
Sample Quotes
The following charts display the cheapest policy options available through yoursecurelife.net. (Last updated 7/25/26)
If you’d prefer to receive a direct quote, feel free to call or chat with Justin Grooms (Independent Life Insurance Broker) using any of the buttons below. You could also chat with him using the ‘Chat’ icon on the bottom right of your screen.
*All of the below-listed quotes assume you’re a non-smoker, and opt to skip an in-person medical exam. If you opt in for an in-person medical exam, you may obtain cheaper coverage.*
$15,000
| Females | |
|---|---|
| Age 50 | $34.86/month |
| Age 60 | $47.70/month |
| Age 70 | $78.26/month |
| Age 80 | $146.05/month |
| Males | |
|---|---|
| Age 50 | $44.42/month |
| Age 60 | $64.04/month |
| Age 70 | $110.31/month |
| Age 75 | $148.36/month |
$35,000
| Females | |
|---|---|
| Age 50 | $77.06/month |
| Age 60 | $107.03/month |
| Age 65 | $135.53/month |
| Age 70 | $178.33/month |
| Males | |
|---|---|
| Age 50 | $99.36/month |
| Age 55 | $117.80/month |
| Age 60 | $145.15/month |
| Age 65 | $189.67/month |
$50,000
| Females | |
|---|---|
| Age 50 | $108.71/month |
| Age 55 | $125.71/month |
| Age 60 | $151.52/month |
| Age 65 | $192.24/month |
| Males | |
|---|---|
| Age 45 | $122.73/month |
| Age 50 | $140.58/month |
| Age 55 | $166.92/month |
| Age 60 | $205.99/month |
$200,000
| Females | |
|---|---|
| Age 30 | $135.88/month |
| Age 40 | $199.52/month |
| Males | |
|---|---|
| Age 30 | $145.86/month |
| Age 38 | $199.52/month |
Other Whole Life Plan
Indexed Universal Life (IUL) Insurance
Indexed universal life insurance is a type of permanent life insurance that combines lifelong coverage with a cash value component tied to the performance of a market index—such as the S&P 500. Your cash value can grow based on index movement, but it’s protected from market losses through a built‑in floor. IUL policies also offer flexible premiums and adjustable death benefits, giving you more control over how the policy evolves over time. Many people use IULs for long‑term financial planning, supplemental retirement income strategies, or tax‑advantaged cash accumulation.
Get a Direct Quote
Hi, thanks for stopping by my site. My name is Justin Grooms and I’m a licensed life insurance broker in the states of NJ & MD. I provide free direct quotes and consultations to anyone interested in acquiring life insurance.
My aim is to provide you with the cheapest insurance option available amongst the two carriers I’m partnered with.
My Partnered Carriers Include
Generating a direct quote is easy. All I need to know is your age, gender at birth, and smoker status. At that point, if you’re interested in submitting an application, we could do so together over-the-phone, in-person or through zoom. Whichever is your preference.
In the eight years I’ve been in the business, I’ve always abided by strong morals. So you can be sure you won’t be steered, manipulated, or pressured to making a purchase decision. My job is to consult, not to sell.
If you’re interested in receiving a direct quote, feel free to call or chat with me using any of the buttons below. I’m also available through the ‘chat’ icon on the bottom right of your screen. Thank you and have a blessed day!
