Whole Life Insurance - The Overstreet Agency

Whole Life

Selecting the right life insurance policy makes all the difference when it comes to the future financial stability of your loved ones and in your peace of mind. Whole life insurance offers a viable permanent life insurance option that ensures your family is protected. The Overstreet Agency provides a robust whole life insurance coverage, with comprehensive and standalone options. For the best whole term life insurance that will last a lifetime, a permanent life policy through Overstreet is your solution.

For a whole life insurance quick quote today, contact our experienced team at The Overstreet Agency where you can buy cash value life insurance. We’ll make sure you get the best full coverage life insurance that will last your family a lifetime!

Whatis Whole Term Life Insurance?

If you’re looking for a permanent life insurance option that is a guaranteed life insurance, meaning your family will receive a guaranteed death benefit through a permanent life insurance policy, then whole life insurance is an ideal selection for you. Unlike term insurance, which ends at a predetermined period, whole life insurance payouts will occur regardless of when you pass away. Your premium will never change either, so you’ll know exactly how much your whole term life insurance will cost, and exactly how much your family will receive permanently after you pass. The added benefit is that Overstreet’s plan is a whole life insurance with maximum cash value, which means that your whole term life policy will accumulate cash value over time through a fixed rate. This advantageous savings component gives you the ability to borrow against your policy or withdraw funds as needed.

Whole Life Insurance with Cash Value

Cash Value Growth

A whole life insurance policy with The Overstreet Agency will allow you to build cash value at a fixed growth rate over time. How does it work? You’ll pay your fixed monthly premium which will be split into paying for the cost of your policy, with the remainder going to your cash value. This value is tax-deferred for the duration of your policy and available as a loan for withdrawal. Basically, you are giving yourself a savings account that you can use in the case of an emergency. Due to the flexibility and advantages this policy affords our valued clients, Overstreet is known as one of the top cash value life insurance companies.

Dividends

The Overstreet Agency offers a cash value dividend paying life insurance. This means that when you choose Overstreet, you’ll have access to dividends, which is a return of some of the premium money you have paid. You have a few options of how to use these dividends: you can build cash value, increase your policy’s death benefit, or pay off more premiums. The frequency and value of the dividends depends on market conditions and performance. The good news is that in the past, even during periods of declining interest rates, our policy-holders have received some dividends.

Additional Insurance Products to Add to Whole Term Life Insurance

Your life is unique and your whole term life insurance policy for adults needs to be too. Overstreet offers various additional features designed to be easily added onto your whole life insurance. These customizable “extras” are available for an added cost and provide options you may deem important to ensure your family receives the full coverage they will need.

- Receive a part of your policy’s death benefit in the case of an accident or medical condition while you’re living.

- Add life insurance for your children.

- Increase the death benefit to your beneficiaries if your death is an accident.

- Maintain your policy or pay your premiums if you become disabled.

- Increase your death benefit without underwriting (certain conditions apply).

Benefits of Whole Term Life Insurance

A whole term life insurance policy offers many benefits, including advantages that term life insurance does not offer. If you want to be sure that your family will receive a lifetime death benefit regardless of how long you live or a term you choose, then whole life insurance is the best option. You’ll have the added benefits of guaranteed cash accumulation and the potential of dividends. Although the typical whole life insurance cost for your premium (whole life insurance cost per month) is a bit higher than term life insurance, the benefits of knowing your family is protected in any situation is priceless.

The Overstreet Agency offers one of the top whole life insurance policies available today through Ameritas. We provide completely customized packages and compassionate, experienced guidance and support along the way.

Whole Life

Whatis Whole Term Life Insurance?

Whole Life Insurance with Cash Value

Additional Insurance Products to Add to Whole Term Life Insurance

Benefits of Whole Term Life Insurance

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