Whole Life Insurance

Life insurance that is kept in force for a person's whole life as long as the scheduled premiums are maintained. All Whole Life policies build up cash values. Most Whole Life policies are guaranteed as long as the scheduled premiums are maintained. The variable in a whole life policy is the dividend, which could vary depending on how well the insurance is doing. If the company is doing well and the policies are not experiencing a higher mortality than projected, premiums are paid back to the policy holder in the form of dividends. Policyholders can use the cash from dividends in many ways. The three main uses are: to lower or vanishing premiums, to purchase more insurance or to pay for term insurance.

Welcome to US Life Settlements, the Nation’s leading life settlement company. If you are a senior (65+) and have a life insurance policy you no longer want, need or can afford, you may be able to sell your policy for a lump sum of cash. On average, the amount you will receive can range between 10-60% of the face amount (coverage)! Your life insurance policy is a growing asset. Browse through the site to learn more about having your life insurance policy appraised.

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