Compare over 37 Whole Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 West Des Moines, IA 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 West Des Moines, IA. 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 West Des Moines, IA.
Frequent Questions...
Whole life insurance is a great option for residents of West Des Moines, IA looking for a long-term financial solution. With a whole life insurance policy, you are guaranteed fixed premiums, a guaranteed accumulating cash value, and a guaranteed death benefit that can be used to provide for your loved ones in the event of your passing. Whole life insurance policies act as a form of protection, providing long-term security and peace of mind that no other form of insurance can match.
Do whole life insurance companies in West Des Moines cover accidental death?
Yes, whole life insurance typically covers accidental deaths. In West Des Moines, IA, this means that if a policyholder passes away due to an accident such as a car crash, fall, or drowning, their beneficiaries can make a claim for the death benefit. However, other factors such as health conditions, age, and health history may have an effect on the amount they can receive. It's important to review your life insurance policy carefully to ensure it covers accidental death. In addition, consider reaching out to your insurance provider for further details.
How do my age and health impact my whole life insurance policy West Des Moines?
Whole life insurance rates in West Des Moines, IA may be affected by age and health. Younger people in good health and fewer medical risks are generally going to have lower rates than those who are older and have more health concerns. Health conditions like high cholesterol, diabetes, and smoking will typically affect rates more negatively than if the applicant has no health issues, so it's important to consider your physical and mental health when deciding on a policy.
Is it possible to convert my term policy to whole life insurance near West Des Moines?
Yes, if you live in West Des Moines, IA and have a term life insurance policy, you can upgrade it to a whole life policy. Depending on your age, health, and insurer, your premiums may increase, but you have the option of switching to provide yourself with a lifetime of coverage. With a whole life policy, you will be able to accumulate savings that you can access while policy is in force and may even be able to take out a loan against those funds. Talk to your life insurance agent today to discuss your options.
Can I modify the payment schedule with a whole life insurance company West Des Moines?
Absolutely! West Des Moines offers numerous payment plan options to customize your whole life insurance policy. Customers may choose to use our ACH payment option to make a one-time payment or may opt into an affordable installment plan over a span of time. Our policy analysts will tailor-fit the best payment plan for your particular situation so that you are backed by the comprehensive coverage that life insurance offers with optimized financial convenience.
In West Des Moines, IA, the waiting period for whole life insurance benefits depends on the type of policy and the insurance provider. Generally, these types of policies come with an extended waiting period, but many companies in the area are willing to provide instant coverage in certain situations. It is advised to speak to an insurance broker to get more information about waiting periods and any other unique benefits you may be entitled to when taking out a whole life policy.
Can I take a loan against my policy's cash value with whole life insurance policies near West Des Moines?
In the West Des Moines, IA area, yes you can generally take a loan against the cash value of a whole life policy. Depending on your policy, you may be able to apply for a loan amount of up to 90 percent of the cash value, with some policies potentially allowing even more of a loan. It's important to remember, however, that taking a loan against your whole life policy can reduce its permanent death benefit, and any amounts borrowed must be paid back with interest.
How can whole life insurance in West Des Moines serve as a financial strategy?
Whole life insurance is an excellent financial planning tool for residents of West Des Moines, IA. With whole life insurance, due to its lifelong coverage, you can invest funds and take advantage of savings opportunities such as dividends to help you accumulate capital over the long-term. Not only that, but whole life insurance can also be used for legacy planning, giving you the peace of mind that your loved ones will be taken care of after you're gone. Speak to an insurance provider in West Des Moines today to learn more about how whole life insurance can be used as part of your financial planning strategy.
Can I decide the term of my West Des Moines whole life insurance policy?
You can customize the duration of your life insurance plan to meet your specific needs in West Des Moines, IA. Depending on the policy type, you can select terms lasting from 10 to 30 years or choose to have the coverage span your entire lifetime. Consult a knowledgeable insurance agent in West Des Moines to discuss your options and determine the best plan for your individual needs and goals. Your West Des Moines agent can provide you with quotes for multiple plan options so you can make an informed decision about the coverage that is best for you.
How does inflation touch my policy with a West Des Moines whole life insurance company?
Inflation can have a significant impact on the cost of whole life insurance policies in West Des Moines, IA. Over time, the cost of the policy may increase, which can price lower-income individuals and families out of the market. In addition, if the policyholder's income doesn't increase to keep pace with inflation, they may struggle to make regularly scheduled payments to maintain the policy. This could reduce the value of the life insurance policy in the long-term and make it difficult to balance other monthly bills with the cost of insurance coverage.
Compare West Des Moines, IA 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