Term Life
Affordable coverage for set years
Whole Life Insurance That Protects You for a Lifetime.
Affordable, permanent protection with guaranteed cash value growth.
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Types of Life Insurance
What is Whole Life Insurance
Whole life insurance is a type of permanent life insurance that lasts your entire lifetime, as long as you keep paying your premiums. Unlike term life insurance, which only covers you for a set number of years, whole life never expires. That means your loved ones are guaranteed protection no matter when you pass away.
Why Choose Whole Life Insurance?
Lifelong financial protection
Cash value that grows over time
Level premiums that never increase
Option to borrow against your policy
Provides peace of mind for your family
Whole Life Benefits
Lifelong Coverage
Protection that lasts your entire lifetime—peace of mind knowing you’re covered for life.
Fixed Premiums
Your payments stay the same year after year, no surprises or unexpected hikes.
Cash Value Growth
Build equity with a growing cash value that you can borrow from when life brings new opportunities or challenges.
Tax-Deferred Benefits
Your cash value accumulates on a tax-deferred basis—helping you grow savings more efficiently over time.
Whole Life Coverage Options
Lifetime protection with guaranteed premiums and cash value. Choose a funding period that fits your plan.
Whole Life — Life-Pay
Classic lifetime coverage with level premiums.
10-Pay Whole Life
Fully paid in 10 years—covered for life.
20-Pay / Paid-Up at 65
Finish premiums before retirement; keep coverage for life.
Who Benefits from Whole Life Insurance?
Whole life is permanent protection with guarantees. It lasts your entire life, builds cash value you can access, and delivers a tax‑advantaged legacy. Tap a tile to see who gets the biggest win.
Parents & Long‑Term Planners
Lifetime coverage plus cash value for emergencies, opportunities, and legacy goals.
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- Cover both spouses; add a term rider for extra protection now and convert later.
- Use paid‑up additions (PUA) to accelerate cash value for college flexibility or future income.
Final Expense & Estate Planning
Guaranteed benefit for funeral costs, special‑needs dependents, or charitable bequests.
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- Consider an ILIT for larger estates or when minors are beneficiaries.
- Cash value can supplement long‑term care or provide emergency liquidity later in life.
High Earners & Wealth Builders
Tax‑advantaged cash value growth with access via policy loans or withdrawals.
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- Fund base premium + PUA efficiently; monitor the MEC limit to preserve tax benefits.
- Coordinate with 401(k)/IRA/HSAs; whole life adds guarantees and non‑market‑correlated value.
Business Owners & Key‑Person
Permanent funding for buy‑sell, key person, and executive bonus plans.
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- Whole life provides lifetime coverage; cash value may support collateral needs or opportunities.
- Set ownership/beneficiary correctly (entity vs. cross‑purchase) and review valuation regularly.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years).
Affordable premiums
Option to convert to permanent
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
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Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
How It Works
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Choose Term & Coverage
Pick a term length (e.g., 10–30 years) and a coverage amount that fits your budget and goals.
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Apply & Underwriting
Answer health questions (and an exam if required). We handle the carrier, forms, and follow-ups.
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Policy In-Force
After approval and first payment, coverage starts. If you pass away during the term, beneficiaries receive the tax-free death benefit.
Note: Term life pays a death benefit if death occurs during the policy term. No cash value. Riders, rates, and state availability vary by insurer. We’ll help you compare.
Get Covered Today
Licensed Agents ready to help you choose the right policy
Why Choose OnePoint
Personalized Protection – We take the time to understand your family’s needs and match you with the right coverage.
Independent & Unbiased – We shop multiple top-rated carriers so you get the best value, not a one-size-fits-all plan.
Guidance You Can Trust – Our agents explain your options in plain language and are here for you every step of the way.
Affordable Solutions – Flexible policies designed to protect your loved ones without straining your budget.
Local & Community-Focused – We’re part of the same neighborhoods we serve, so you’re treated like a neighbor, not a number.
Learn with OnePoint
Real answers. Straight talk. Insurance made simple.
OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.
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Frequently Asked Questions
How much does whole life insurance cost?
Whole life insurance is usually more expensive than term life because it provides permanent coverage and includes a cash value component. Your premium depends on your age, health, and the coverage amount you choose, but once locked in, your premium never goes up.
What is the cash value of a whole life policy?
The cash value is like a built-in savings account that grows over time. It builds at a guaranteed rate, and you can borrow against it, withdraw from it, or use it to help pay premiums later on.
Can I borrow money from my whole life insurance policy?
Yes. One of the biggest advantages of whole life is that you can take out policy loans using your cash value as collateral. Just keep in mind that unpaid loans will reduce your death benefit.
Is the death benefit guaranteed?
Absolutely. As long as premiums are paid, your beneficiaries are guaranteed to receive the death benefit, no matter when you pass away.
What’s the difference between whole life and term life insurance?
Term life covers you for a set period of years and is typically cheaper upfront. Whole life covers you for your entire lifetime, builds cash value, and offers more long-term stability.
Are whole life insurance proceeds taxable?
The death benefit your loved ones receive is generally tax-free. The cash value growth inside the policy is tax-deferred, which means you won’t pay taxes on it until you withdraw funds.
Is whole life insurance a good investment?
Whole life is primarily protection, not an investment, but the cash value growth can be a smart financial tool. It offers guaranteed returns and liquidity you can access if needed.
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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