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With PolicyHub you get to compare over 37 Myrtle Beach, SC Whole Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Whole Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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Tell us about yourself.
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Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
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Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a Whole Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Whole Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Whole Life Insurance rates from all the providers in Myrtle Beach, SC. Get started in under 15 minutes.
All your Whole Life Insurance needs in one place.
Looking for whole life insurance? We've got you covered. PolicyHub makes it easy to find the best whole life insurance policy for you and your family. Whether you need traditional, single-premium, limited-payment, or variable whole life insurance, you'll find the best rates right here at PolicyHub.
Traditional whole life insurance provides a guaranteed death benefit, fixed premiums and a cash value component that grows over time. It's ideal for those seeking lifelong coverage with consistent payments. Single-premium whole life insurance requires a lump-sum payment upfront in exchange for a guaranteed death benefit. This policy suits those who have a large sum of money they wish to convert into a life insurance policy quickly.
Limited-payment whole life insurance allows policyholders to pay off their policy over a set period of time, after which no further premiums are due, but the coverage continues for life. Variable whole life insurance offers a death benefit and a cash value component that can be invested in sub-accounts, similar to mutual funds. This policy is suitable for those comfortable with investment risk, seeking potential for cash value growth.
Save time and get the best Whole Life Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Whole Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Whole Life Insurance agent.
Roy Stephens
Whole life insurance agent
Roy Stephens is a whole life insurance agent licensed in your state.
Mark Sidway
Whole life insurance agent
Mark Sidway is a whole life insurance agent licensed in your state.
Cale Reeves
Whole life insurance agent
Cale Reeves is a whole life insurance agent licensed in your state.
"I was searching for Whole Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Whole Life Insurance in Myrtle Beach, SC.
Frequent Questions...
Whole life insurance does not have an expiration date in Myrtle Beach, SC. Unlike term life policies, which only last for a specified duration, whole life coverage is designed to cover a policyholder until they pass away. This ensures that loved ones can receive the financial security they need in the event of an unexpected death. With this coverage, policyholders can also benefit from guaranteed cash values, and potential dividends that can be received annually.
Do whole life insurance companies in Myrtle Beach cover accidental death?
Yes, whole life insurance does cover accidental deaths in Myrtle Beach, SC. With a comprehensive policy, most customers can rest assured that their families are taken care of, no matter what circumstances they may find themselves in. In addition to coverage for a death caused by an accident, whole life insurance also provides protection against intentional death by suicide in most cases. Whole life policies offer beneficiaries a minimum death benefit regardless of the insured's age or health, and guarantee coverage throughout the life of the insurance, as long as premiums are kept current.
How do my age and health impact my whole life insurance policy Myrtle Beach?
In Myrtle Beach, SC, age and health are important factors that may affect your whole life insurance rates. Generally speaking, the younger and healthier you are, the lower your premiums may be. However, keep in mind that different carriers often have different rating criteria and will assess your age and health differently. Therefore, it pays to shop around to find the best rate that fits your needs. Be prepared to provide any necessary information upon request in order to accurately compare quotes.
How does whole life insurance near Myrtle Beach stand against universal life insurance?
Whole life and universal life insurance policies both provide financial protection to policyholders and their beneficiaries in the event of a death, but there are important differences to consider. Whole life insurance premiums remain constant over the life of the policy and typically provide a fixed death benefit. Universal life insurance policies offer more flexibility in that the premiums can be adjusted under certain circumstances and the death benefit can be changed, as well.
Can a whole life insurance company Myrtle Beach enhance my policy with riders?
Yes, you may be able to add riders to your whole life insurance policy, depending on the policy and your provider. In Myrtle Beach, SC, whole life insurance policies from reliable providers typically offer riders, such as an accelerate death benefit rider, that allow policyholders to add coverage for unexpected expenses or illness. It is best to speak with an insurance agent familiar with Myrtle Beach, SC, for assistance in evaluating the riders that may be available on your policy and ensuring that you have the right coverage for you.
If you are located in Myrtle Beach, SC, and want to maximize the cash value of your Whole Life Insurance, one option is to look into mitigating taxes with something like a trust. Establishing a trust and then transferring your plan to the trust can remove the death benefit, which in most cases is taxable, from your estate. An ideal trust to use would be a irrevocable life insurance trust (ILIT). Investing in an ILIT involves transferring your policy to a trust so that the death benefits will be used for the benefit of the beneficiaries without being taxed.
Can I liquidate my whole life insurance policies near Myrtle Beach?
Yes, you can cash out your whole life insurance in Myrtle Beach, SC. Depending on the kind of policy you have, the total amount of money you may receive will vary. Generally, if you withdraw the cash value from your policy, you will pay surrender charges and other fees, and this could reduce the amount of money you get. Additionally, if you are receiving life insurance payments and you decide to cash out the policy, you may not receive the same amount of money you would have received from viewing out the policy until its expiration date.
How can whole life insurance in Myrtle Beach assist in estate planning?
A Whole Life Insurance policy in estate planning can be a valuable asset in Myrtle Beach, SC. This type of policy allows estate planners to designate beneficiaries that will receive proceeds to pay estate taxes, debts, and funeral expenses. Additionally, the life insurance proceeds can be used to preserve assets or provide income for beneficiaries. The death benefit from a Whole Life Insurance policy can help offset the financial burden of inheritance taxes, resulting in retained assets that will pass to heirs, like your loved ones in Myrtle Beach, SC.
Which fees are tied to my Myrtle Beach whole life insurance policy?
The cost of whole life insurance in Myrtle Beach, SC will depend on the specific needs of an individual. Generally speaking, the premiums for a policy may vary based on your age, overall health, amount and type of coverage, and the financial stability of the insurance company. Those in the Myrtle Beach area may wish to do research to shop for the best combination of protection and cost. An insurance agent or representative can provide guidance and estimate costs for various policies to help purchasers determine what will work best for them.
Does tobacco consumption impact rates with a Myrtle Beach whole life insurance company?
Yes, smoking can influence whole life insurance rates. In Myrtle Beach, South Carolina, insurance companies may view smoking as a greater risk factor and, as a result, assign higher life insurance rates to smokers. In addition, can increase the likelihood of related medical complications, which can cause premiums to rise. It's important to note that life insurance policies can have expiration dates, which means that if a policy has not been in effect long enough to cover the timeframe of a Smoker's habit, then the individual may not be charged any higher premium.
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