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What Is Whole Life Insurance?

Whole life insurance application form and pen.

Whole life insurance is a type of permanent life insurance that covers the insured party for as long as they live, provided they continue paying their premiums. The death benefit from a whole life insurance policy is almost certainly guaranteed to the beneficiaries, regardless of how much time has gone by since the policy was purchased. The premiums for a whole life insurance policy generally do not fluctuate and the policy’s cash value grows at a fixed interest rate, as opposed to universal life insurance which offers more flexible premiums and is subject to changing interest rates.

The Benefits of Whole Life Insurance  

A whole life insurance policy is suitable for a client who is considering their long-term responsibilities, such as ensuring income for a surviving spouse. Unlike term life insurance, whole life insurance policies include a cash accumulation feature that can generate value over time. With such a feature, clients are able to take out loans from the cash value that has accumulated in their whole life insurance policies as a way to help pay expenses — such as retirement costs or your children’s college expenses — while still retaining their overall coverage. As with any other kind of life insurance, the younger and healthier a person is when purchasing the policy, the more affordable it will be.

Get Started Today

When you become an independent agent with MCC Brokerage, we’ll provide you with the information you need to help your clients make the coverage decisions that work best for them and their families. To learn more about our whole life insurance options, or to begin contracting with us, contact MCC Brokerage today.

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“The Tampa back office team is amazing! You can call them or come in to the office and get help with ease. Extremely efficient and knowledgeable. All my requests and questions are completed and answered. Anything that needs to get done is finished quickly and correctly. Thank you for the great partnership!” – Alex A.

“I have worked with MCC Brokerage for many years. I love working with the team in the Tampa office. They are friendly and ALWAYS ready to help. Looking for an FMO to help grow your business and make your life easier? Go with MCC.” – Steven H.

“I am about to enter my third year of offering Medicare products and services to my clients. MCC Brokerage and their knowledgeable staff have been with me every step of the way. Thank you guys!” – Joe M.

“I have been working with MCC Brokerage for 25 years. They have a great ownership and management team with highly experienced service personnel designed to make a broker’s life easier. The MCC Brokerage team will make your Medicare AEP much more manageable and profitable.” – Tom H.

“MCC Brokerage has been a large factor in my success as a new agent. They have brought me into their team with open arms, a family atmosphere with the best of class services provided to help me excel. They will take my call regarding my client’s needs anytime – day or night. Their marketing programs are unsurpassed in the industry! Patricia and the Tampa team are amazing to work with.” – Jared P.

“IAMS, INC. has worked with MCC for over twenty years! They have a knowledgeable staff and are willing to go that extra mile. We would not consider any other brokerage to work with. MCC makes staying up with the new products and trends in the benefits industry easy. They assist with training and product familiarity. Staff are personable and a pleasure to work with.” -Herschel V.

“I have been associated with MCC Brokerage for many years. I have found them to be very knowledgeable in all things Medicare and life insurance. If you want to grow your agency they are an excellent choice for getting contracted with. All the people are very friendly and fun to work with.” – Darry S.

“MCC has exceeded my expectations as an agency owner. The corporate staff are very responsive. They have worked very closely with me to help the transition from another FMO. I have been so fortunate to work directly with Patricia F. She is very personable, but also well-educated in all of the different dynamics of Medicare Advantage carriers.” – Mel L.

“Great leadership, great culture! The administration staff is extremely knowledgeable and with MCC’s support my business has skyrocketed! MCC is truly the most agent friendly group that I’ve ever encountered in my 12 years in the insurance industry. I’m so grateful that I found MCC and I would highly recommend any agent that’s looking to be successful and empowered to look no further than this dynamic organization.” – Micah M.