Compare over 37 Whole Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 New Brunswick, NJ Whole Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
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
ATTN: 2024 Whole Life Insurance rates just released!
Get the latest Whole Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Whole Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
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 New Brunswick, NJ. 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.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 New Brunswick, NJ.
Frequent Questions...
Whole life insurance is permanent insurance in comparison to term life insurance which temporarily covers the insured for a fixed period of time. Whole life insurance provides protection for your entire lifetime and carries a savings component with guaranteed cash values accumulating tax deferred. Whole life insurance in New Brunswick, NJ is typically issued in the form of equity indexed and variable life insurance. These policies also allow policyholders access to their cash values for borrowing or taking a policy loan if the need arises. Term life insurance is purchased to provide protection for a certain length of time, usually with lower premiums than that of whole life.
Do whole life insurance companies in New Brunswick cover accidental death?
Whole life insurance policies in New Brunswick, NJ can provide coverage for accidental deaths. These policies are designed to provide financial protection to the insured and their loved ones in the event of an untimely death due to an accident. In addition to financial benefits, whole life policies may also provide emotional security and peace of mind. They are typically permanent policies that provide permanent life insurance protection for the policy's duration. Furthermore, they may provide dividends as well as cash value.
How are premiums for a whole life insurance policy New Brunswick different from term insurance?
Whole life insurance is different from term life insurance in that premiums are paid for the life of the policy. Whole life premiums are typically fixed, whereas term life premiums may increase over time. In New Brunswick, NJ, rates are based on a variety of factors such as age, health, current needs and future goals. Premiums for term life are often lower than those for whole life; however, with the latter, the premium payments guarantee coverage until age 100. Additionally, whole life also accumulates cash value, which provides benefits to policyholders during their lifetime.
How does whole life insurance near New Brunswick contrast with an endowment policy?
Whole life policies in New Brunswick, NJ guarantee a set death benefit for the insuredโs entire life. This benefit also accumulates a cash value, which can be accessed tax-free by the policyholder. An endowment policy, on the other hand, has a set term of coverage, typically 10 to 20 years. At the end of the term, the policyholder receives the death benefit, which is fixed throughout the duration. Endowments also accumulate cash value, however, these policies are often used as savings and investment vehicles.
Does a whole life insurance company New Brunswick cover severe health conditions?
Whole life insurance policies available in New Brunswick, NJ generally cover a variety of critical illnesses and health issues. Your policy will provide you with protection for yourself and your family in the event of a serious illness, offering a lump sum of money to help pay for treatments or therapy. Additionally, some whole life insurance policies may provide access to preventive care services that can help avoid the onset of a critical illness. Check the details of your policy to ensure that your whole life insurance policy covers the particular illness or medical issue you are concerned about.
In New Brunswick, NJ, yes, there is a waiting period for whole life insurance benefits. Generally, when a policyholder passes away, the beneficiary can still expect to receive the death benefits but it will likely take between 7-30 days before those benefits are paid out. During this waiting period, the insurer will investigate the claim and, if all the necessary information is gathered quickly, then the process can move along more quickly. Once the claim has been accepted, the insurance benefits will be made payable to the beneficiary.
Can I borrow funds against my whole life insurance policies near New Brunswick?
It depends on the type of whole life insurance policy you have in New Brunswick, NJ. You may be able to and borrow money against it as long as it has a cash value or is an overfunded policy. You should speak with your insurance carrier to determine if borrowing against your policy is available to you and how much it would cost in terms of interest rate and other fees. Keep in mind that taking out too much of a loan might hurt your policy in the long run if the loan isn't paid back quickly.
How can whole life insurance in New Brunswick assist in estate planning?
Whole life insurance can play an important role in estate planning for New Brunswick, NJ residents. This type of policy can provide funds upon death to help provide for beneficiaries, such as to pay off mortgages, fund secondary education, provide an inheritance, or cover estate taxes. It may even be used to pay for funeral expenses or charitable donations. Whole life insurance policies offer value over time as a savings vehicle, and they can also offer potential wealth transfer opportunities to beneficiaries. Plus, they provide permanent death benefit protection set by the insured.
What if I miss a premium payment for a New Brunswick whole life insurance policy?
If you live in New Brunswick, NJ and you skip a premium payment for a whole life insurance policy, the policy could lapse. Depending on the insurer, you may receive a grace period as a buffer. This grace period usually lasts up to 30 days where the policy is still active and allows you to pay the premium without penalty. However, if you fail to make the payment within the grace period, then the policy will lapse and coverage will be terminated. Itโs important to note that reinstating a lapsed policy is not guaranteed and will depend on the insurer.
Is there an age cap for availing New Brunswick whole life insurance company?
Residents of New Brunswick, NJ seeking whole life insurance coverage should check with their provider for specific age limits. Depending on the provider, there may be age restrictions when it comes to purchasing whole life insurance in New Brunswick. Generally speaking, most providers impose age restrictions so it's important to check the details before getting a policy. It's also critical to note that insurance companies can refuse to issue a policy if you're outside the age limits they impose. Bottom line: If you live in New Brunswick and want to buy whole life insurance, it is essential to confirm the appropriate age limits with your provider.
Compare New Brunswick, NJ Whole Life Insurance Policies
Get started today and compare over 37 Whole Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved