Compare over 37 Whole Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Reading, PA 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 Reading, PA. 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 Reading, PA.
Frequent Questions...
Whole life insurance in Reading, PA provides you with life insurance protection and long-term financial savings. Whole life premiums remain the same, will never go up, and the guaranteed cash value can be borrowed against for life events, such as college costs. Term life insurance provides coverage for a set number of years and pays a death benefit to the beneficiary if the insured passes away during that term. When the term has expired, the policy ends and there is no cash value. Ultimately, whole life insurance offers insurance protection for life, while term life insurance covers for a specific, predetermined amount of time.
Do whole life insurance companies in Reading cover accidental death?
In Reading, Pennsylvania, whole life insurance policies cover accidental deaths. Depending on the policy, some variations of life insurance will even help cover funeral costs associated with an accidental death. To make sure your policy covers the right amount of death benefit for accidental negligence, it's important to review your insurance policy before a tragedy occurs. It's also important to work with an experienced life insurance professional to make sure your policy meets all of your needs and matches your family's budget.
What's the cash value in a whole life insurance policy Reading?
In Reading, PA, the cash value component in whole life insurance is a permanent policy that accumulates value over the years. The cash value is tax-deferred and can be accessed as needed, usually by taking out a loan against the cash value. Policyholders also have the option of surrendering their policy if the situation arises. An important benefit of a whole life insurance policy is that the policy premium will never increase and its coverage will never expire, allowing policyholders and their families to have security and protection for a lifetime.
How does whole life insurance near Reading contrast with an endowment policy?
A whole life policy in Reading, PA has no fixed ending date and provides lifelong coverage. This type of policy can accumulate cash value that can be borrowed against or withdrawn in emergencies. An endowment policy provides a death benefit when the holder passes away, but also offers a preset dollar amount that is payable to the holder should they outlive the term of the policy. Endowment policies in Reading, PA often include fixed terms of coverage and can be seen as an investment vehicle for those looking to save money over a defined period.
Can a whole life insurance company Reading enhance my policy with riders?
Yes, you can add riders to a whole life insurance policy in Reading, PA. Many life insurance companies offer additional riders (also known as endorsements or policy amendments) that may be purchased with a policy for an additional premium cost. These riders enable policyholders to customize the life insurance policy to their needs and provide additional benefits. The benefits offered by the different riders vary and often depend on the company. It is important to speak with a licensed life insurance agent in Reading, PA to learn which riders are available and to determine if any would be beneficial.
If you are a resident of the Reading, PA area and you are looking to maximize the cash value of your whole life insurance policy, it is highly recommended to consult with a local financial advisor. An advisor can help you to understand all the elements of the policy and teach you about potential investment opportunities which can help to increase the policy's value. For instance, your advisor might suggest adding a supplementary whole life policy to build cash value faster. Additionally, adding a dividend paying whole life policy can also be beneficial as this type of policy tends to have higher cash values after a short period of time.
Can I borrow funds against my whole life insurance policies near Reading?
In Reading, PA, borrowing money against your whole life insurance policy may be an option for you. Depending on your particular situation and insurer, you can potentially access a lump sum or line of credit through a loan, or you can pledge your policy as collateral for a more traditional loan. Don't forget to read through all of your policy documents, though, as there are usually fees, restrictions, and limitations associated with this type of borrowing. Additionally, should you choose to borrow money against your policy, this may reduce your death benefit and negatively affect the future cash value of your policy.
How can whole life insurance in Reading assist in estate planning?
Whole life insurance policies are an important tool for estate planning for Reading, PA residents. These policies can help to pay off taxes, reduce debts, and provide liquidity to pay for expenses related to settling an estate. Funds from a policy can also be used to provide for a surviving spouse, or to fund a trust in order to provide security for remaining beneficiaries. A whole life policy provides a death benefit which does not decrease over time and can remain in effect for the lifetime of the insured.
How long does a Reading whole life insurance policy last?
As a rule of thumb, a whole life policy in Reading, PA will last your entire life, but the exact length of your policy will depend on a few different factors. Your premium amount and the amount of coverage you choose will play a role in how long your policy will last. On top of that, the conditions of the policy, as well as the company you choose, will need to be taken into consideration.
Is there an age cap for availing Reading whole life insurance company?
In Reading, PA, the legal age to buy a whole life insurance policy is eighteen (18) years old to ensure that the policyholder is a legally mature adult. Customers are still able to purchase a policy before the age of 18 with written approval from a parent or guardian. While there is no upper age limit for purchasing a policy, most policies will have financial underwriting guidelines for higher ages, which limit the amount, type, and value of the policy. Typically most companies consider any applicants aged 79 and above too advanced in age to receive coverage.
Compare Reading, PA 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