"It's not hard to make decisions when you know what your values are." —Roy Disney
If you need help figuring out how to buy a life insurance policy, here's a side-by-side comparison of the most popular types. This will help you choose based on the features that are most important to you.
For more help, give us a call at 800-823-4852!
Term Life
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Whole Life
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Universal Life
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Variable Universal
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Length of coverage |
Terms from
1-30 years |
Lifetime
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Lifetime
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Lifetime
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Death benefit |
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Flexible payment |
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Cash value |
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Tax advantages |
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Low monthly payment |
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Term life insurance | Whole life insurance | |
Purpose |
Affordable coverage for a
limited amount of time |
Coverage for the rest of your life
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Monthly payments |
Smaller payments during your term, but they could go up if you renew your policy at the end of your term
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Higher than term life, but they will not increase as long as the policy remains in effect
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Coverage length |
You decide—terms are available for periods ranging from 1 to 30 years
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As long as you live
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Cash value |
No
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Yes
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Choose this policy if: |
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Ready to get started? Click the button below to get a free, no-obligation quote!
Click Here for Life Insurance Quotes!
Need immediate assistance? Call 1-800-823-4852 from 8am to 5pm PST Monday through Friday.
Copyright 2002-Present Pinney Wholesale Insurance Services - All Rights Reserved 2266 Lava Ridge Court, Roseville, CA 95661
*Comparison of each carrier’s best published rates for a
10-year level term policy, 30-year-old non-smoking female
^Represents 10-year level term life insurance rates for 40-year-old female,
in good health, no tobacco, residing in Ohio.
R. Jan Pinney CLU, ChFC is a licensed life insurance agent in all states and the District of Columbia. The following agent license numbers are provided for R. Jan Pinney as required by state law: CA agent #0440057, LA agent #291116, MA agent #1674866, MN agent #20270113, UT agent #58330, agent R. Jan Pinney, DBA Pinney Insurance Services. Commercial use by others is prohibited by law. This site provides term quotes. Each rate is a quote based on information provided by the carrier. No portion of Trusted Quote may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner.