Forbes Guide To Whole Life Insurance

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.f-bg-forest-green-dark { background-color: #1a610d;} .f-bg-forest-green-xdark { background-color: #103d08;} /* -- Neutral */ .f-bg-white { background-color: #ffffff;} .f-bg-xlight-gray { background-color: #f3f4f4;} .f-bg-light-gray { background-color: #dee1e1;} .f-bg-mid-xlight-gray { background-color: #c8cccc;} .f-bg-mid-light-gray { background-color: #b0b6b7;} .f-bg-mid-dark-gray { background-color: #929a9b;} .f-bg-dark-gray { background-color: #515e5f;} .f-bg-xdark-gray { background-color: #273333;} .f-bg-black { background-color: #181716;} /* Typography - DESKTOP */ /* -- Headings */ h1 { font-family: 'Merriweather', sans-serif; font-size: 36px; font-weight: bold; line-height: 44px; color: inherit;} h2 { font-family: 'Merriweather', sans-serif; font-size: 22px; font-weight: bold; line-height: 34px; color: inherit;} h3 { font-family: 'Merriweather', sans-serif; font-size: 20px; font-weight: bold; line-height: 30px; color: inherit;} h4 { font-family: 'Merriweather', sans-serif; font-size: 18px; font-weight: bold; line-height: 26px; color: inherit;} h5 { font-family: 'Merriweather', sans-serif; font-size: 14px; font-weight: bold; line-height: 22px; color: inherit;} h6 { font-family: 'Merriweather', sans-serif; font-size: 11px; font-weight: bold; line-height: 18px; color: inherit;} /* -- Text Styles */ /* -- -- font family */ .txt-merriweather { font-family: 'Merriweather', sans-serif;} .txt-worksans { font-family: 'Work Sans', sans-serif;} .txt-georgia { font-family: Georgia;} /* -- -- font weight */ .txt-bold-500 { font-weight: 500;} .txt-bold-600 { font-weight: 600;} .txt-bold-700 { font-weight: bold;} /* -- -- font color */ .txt-white { color: #ffffff;} .txt-mid-dark-gray { color: #929A9B;} .txt-f-black { color: #181716;} .txt-black { color: #333333;} .txt-mid-xlight-gray { color: #c9cccc;} /* -- -- styles */ .txt-large { font-style: normal; font-size: 24px; line-height: 36px; letter-spacing: -0.5px;} .txt-medium { font-style: normal; font-size: 16px; 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.article-wrapper .breadcrumbs>li.breadcrumbs-item:hover { color: #003891; } .breadcrumbs.breadcrumbs-dark, .article-wrapper .breadcrumbs.breadcrumbs-dark { color: #C8CCCC; } .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item:hover, .article-wrapper .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item:hover { color: #FFFFFF;} .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item:before, .article-wrapper .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item:before { color: #C8CCCC;} .breadcrumbs>li.breadcrumbs-item.disabled, .article-wrapper .breadcrumbs>li.breadcrumbs-item.disabled { cursor: default;} /* .breadcrumbs>li.breadcrumbs-item.disabled:hover, .article-wrapper .breadcrumbs>li.breadcrumbs-item.disabled:hover { color: #181715; text-decoration: none; cursor: default; pointer-events: none;} */ /* .breadcrumbs>li.breadcrumbs-item>*, .article-wrapper .breadcrumbs>li.breadcrumbs-item>* { display: inline-block; color: inherit; text-decoration: none;} */ .breadcrumbs>li.breadcrumbs-item>.breadcrumbs-item-link { text-decoration: none;} .breadcrumbs>li.breadcrumbs-item:hover>.breadcrumbs-item-link { text-decoration: underline; color: inherit;} .breadcrumbs>li.breadcrumbs-item>.breadcrumbs-item-link:hover { text-decoration: underline;} .breadcrumbs>li.breadcrumbs-item.disabled>.breadcrumbs-item-link:hover, .article-wrapper .breadcrumbs>li.breadcrumbs-item.disabled>a:hover { text-decoration: none;cursor: default;} /* Color Fiasco */ .breadcrumbs>li.breadcrumbs-item>.breadcrumbs-item-link { display: inline-block; color: #515E5F; text-decoration: none;} .breadcrumbs>li.breadcrumbs-item:hover>.breadcrumbs-item-link { color: #003891; text-decoration: underline;} .breadcrumbs>li.breadcrumbs-item.disabled { color: #515E5F; text-decoration: none;} .breadcrumbs>li.breadcrumbs-item.disabled:hover { color: #515E5F; text-decoration: none;} .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item>.breadcrumbs-item-link { display: inline-block; color: #c8cccc; text-decoration: none;} .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item:hover>.breadcrumbs-item-link { color: #ffffff; text-decoration: underline;} .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item.disabled { color: #c8cccc; text-decoration: none;} .breadcrumbs.breadcrumbs-dark>li.breadcrumbs-item.disabled:hover { color: #c8cccc; text-decoration: none;} </style> <ul class="breadcrumbs "> <li class="breadcrumbs-item "> <a class="breadcrumbs-item-link" href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor"> advisor </a> </li> <li class="breadcrumbs-item disabled"> Life Insurance </li> </ul><style> .mobile-ui .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .mobile-ui .author__article-date.mobile { display: block; margin-top: 0; } .mobile-ui .mobile-editorialview .article__page--disclosure { margin-top: 0; } @media all and (min-width:599px) { .author__article-date.mobile { display: none; } .mobile-editorialview { float: right; } } @media all and (max-width: 598px) { .mobile-editorialview { display: flex; justify-content: space-between; margin-top: 5px; align-items: center; } .author__article-date.mobile { display: block; margin-top: 0; } .mobile-editorialview .article__page--disclosure { margin-top: 0; } } @media all and (max-width: 340px) { .mobile-editorialview{ display:block!important; } } </style> <div class="mobile-editorialview"> <span id="advertiser-disclosure" class="article__page--disclosure">Advertiser Disclosure</span> <span class="author__article-date mobile"> Updated: Mar 27, 2020, 2:12pm </span> </div> </div> <h1 class="farticle-title">Forbes Guide To Whole Life Insurance</h1> <div class="author__block author__block-top clearfix"> <span class="author__article-date desktop">Updated: Mar 27, 2020, 2:12pm</span> <div class="author-container"> <div class="primary_author single_author clearfix"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/author/ryan-frailich/" title="Ryan Frailich" target="_blank"> <img class="avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" src="https://web.archive.org/web/20201019023302im_/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2019/02/ryan-frailich-88x88.png" width="64" height="64" alt="Ryan Frailich"> </a> </div> <div class="author__block-content"> <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/author/ryan-frailich/" target="_blank" class="author__block-name">Ryan Frailich</a> <span class="author__block-role mr-3 show_info">contributor</span>  </div> </div>  </div> </div> </div> </div> <div class="top-right-rail col-lg-3 show-right-rail-section"></div> </div> <div class="article-container row"> <div class="main-content-wrapper col-lg-8 col-xl-9"> <div class="body-container"> <div class="article-text"> <style> .no-editorial-note { margin : 12px 0;} </style> <div class="article__editors-note"> Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. </div><div class="article-sharing"> <span href="javascript:;" data-href="https://www.facebook.com/sharer.php?u=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Fwhole-life-insurance%2F" class="article-sharing__link article-sharing__link--facebook"></span> <span href="javascript:;" data-href="https://twitter.com/intent/tweet?url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Fwhole-life-insurance%2F&text=Forbes+Guide+To+Whole+Life+Insurance" class="article-sharing__link article-sharing__link--twitter"></span> <span href="javascript:;" data-href="https://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fwww.forbes.com%2Fadvisor%2Flife-insurance%2Fwhole-life-insurance%2F&title=Forbes+Guide+To+Whole+Life+Insurance" class="article-sharing__link article-sharing__link--linkdin"></span> </div><div class="featured-img"><img src="https://web.archive.org/web/20201019023302im_/https://thumbor.forbes.com/thumbor/fit-in/900x510/https://www.forbes.com/advisor/wp-content/uploads/2019/12/people-embracing-e1580141304676.jpg" alt="Forbes Guide To Whole Life Insurance"><span class="media-credit">Getty</span></div> </div> <div class="article-body inarticle-link-tracking fs-article fs-responsive-text current-article"> <style>.generic-cta-heading{display:block;font-weight:600}.generic-cta-subheading{display:block}a.fadv-button{display:inline-flex;justify-content:center;align-items:center;background-color:#008344;border-radius:8px;padding:12px 30px!important;color:#fff;text-align:center;margin:24px 0 16px;font-weight:600;font-size:16px;line-height:24px;letter-spacing:.005em;text-decoration:none;position:relative;word-break:break-word}a.fadv-button:hover{background-color:#00733c;text-decoration:none!important}a.fadv-button.disabled{opacity:.4;cursor:not-allowed}a.fadv-button.secondary{background-color:#fff;color:#008344;border:1px solid #008344}a.fadv-button.secondary:hover{background:rgba(0,131,68,.2)}a.fadv-button.tertiary{background-color:#fafafa;color:#008344}a.fadv-button.tertiary:hover{background:#ebebeb}a.fadv-button.m-0{margin:0}a.fadv-button.m-t-16{margin:16px 0 0}</style><div class="br-wrapper exclude-eds"> <p style="text-align: center;"><strong>Compare Life Insurance Companies</strong><br/> <em><span style="color: #0000ff;">Compare Policies With 8 Leading Insurers<br/> </span></em></p> <p style="text-align: center;"><a href="https://web.archive.org/web/20201019023302/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&source=https://www.forbes.com/advisor/life-insurance/whole-life-insurance/" class="fadv-button m-0" rel="nofollow noopener" target="_blank">Get A Quote</a></p> </div> <p>Whole life insurance is one type of permanent life insurance that can provide lifelong coverage. It provides a variety of guarantees, which can be appealing to someone who doesn’t want any guesswork after buying life insurance.</p> <p>Whole life insurance combines an investment account called “cash value” and an insurance product. As long as you pay the premiums, your beneficiaries can claim the policy’s death benefit when you pass away.</p> <p>Whole life insurance offers three kinds of guarantees:</p> <ul> <li>A guaranteed minimum rate of return on the cash value.</li> <li>The promise that your premium payments won’t go up.</li> <li>A guaranteed death benefit that won’t go down.</li> </ul> <p>While it can sound like a good choice, there are often better options for individuals who want <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/">life insurance</a> that will last as long as they live.</p> <p>Some people use the phrase “whole life insurance” very broadly to refer to any type of life insurance that can provide lifelong coverage. But there are other types of permanent life policies that can provide lifelong insurance. These policies work very differently from traditional whole life insurance and include:</p> <ul> <li>Universal life insurance.</li> <li>Variable life insurance.</li> <li>Survivorship life insurance.</li> </ul> <h2>Cash Value Accumulation in Whole Life Insurance</h2> <p>Part of the premium payments for whole life insurance will accumulate in a <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/life-insurance/cash-value-life-insurance/">cash value account</a>, which grows over time and can be accessed.</p> <p>Similar to a 401(k) or IRA, the money in the cash value account grows tax-free. However, if you take out cash value that includes investment gains, through a policy withdrawal or loan, that portion will be taxable.</p> <p>The accumulation of cash value is the major differentiator between whole life and <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/insurance/choosing-the-right-term-life-insurance/">term life insurance</a>. While actual growth varies from policy to policy, some take decades before the accumulated cash value exceeds the amount of premiums paid. This is because the entire premium does not go to the cash value; only a small portion. The rest goes to paying for the insurance itself and expense charges.</p> <p>Most whole life policies have a guaranteed return rate at a low percentage, but it’s impossible to know how much your cash value will actually grow. That’s because most insurance companies that sell whole life also offer a “non-guaranteed” return rate of return based on dividends. You can choose to apply your dividends to cash value every year, but you can’t know how much that will amount to over time.</p> <p>In my experience, having reviewed several dozen policies, guaranteed rates of return are often 1% to 2%, with non-guaranteed rates at about 4% to 6% annually.</p> <p>In one policy I recently evaluated, it would take 35 years, according to the guaranteed rate projections, for the policyholder’s cash value to exceed what she had paid in premiums. Even at the higher estimates from the “non-guaranteed” projections, it would take the client 15 years for the cash value to exceed the amount she had paid in.</p> <p>It’s unclear what percentage of policyholders get returns closer to the “non-guaranteed” rates.</p> <h2>Using the Cash Value</h2> <p>You can tap into cash value with a withdrawal or a loan. If you take a loan, it’s tax-free, and you can pay it back, with interest. If you make a withdrawal, there are no taxes as long as your withdrawal is less than the portion of your cash value that’s attributable to premiums you’ve paid. If your withdrawal is greater, you’ll owe taxes on the difference because those are investment gains.</p> <p>Outstanding loans and withdrawals will both reduce the amount of death benefit paid out if you pass away. That’s not necessarily a bad thing. After all, one of the reasons to buy a whole life insurance policy is to get cash value, so why let the money sit there without ever using it?</p> <p>While the cash value is there, you want to be sure that you know all the ramifications of accessing it prior to making any decisions.</p> <h2>Picking Life Insurance Beneficiaries</h2> <p>When you buy a policy you’ll designate one or more beneficiaries to receive the death benefit. You don’t have to split the payout equally among beneficiaries. You can designate the percentage for each, such as 75% to Mary and 25% to John.</p> <p>It’s also a good idea to also designate one or more contingent beneficiaries. These folks are like your backup plan in case all the primary beneficiaries are deceased when you pass away.</p> <p>Designating beneficiaries is an important task, as is keeping your designation up to date with your wishes. The life insurance company is contractually obligated to pay the beneficiaries named on the policy, regardless of what your will says. It’s wise to check once a year to verify your beneficiaries still reflect your wishes.</p> <h2>What Happens When You Die</h2> <p>A major selling point of whole life insurance is that it will be in force until your death, unlike term life insurance. You can’t outlive the whole life policy as long as you’ve paid the premiums.</p> <p>But here’s a kicker: For most policies, the policy pays out only the death benefit, no matter how much cash value you’ve accumulated. At your death, the cash value reverts to the insurance company. And remember that outstanding loans and past withdrawals from cash value will reduce the payout to your beneficiaries.</p> <p>Some policies allow you to purchase a rider that gives your beneficiaries both the death benefit <i>and </i>the accumulated cash value. This provision also means you’ll pay higher annual premiums, as the insurance company is on the hook for a larger payout.</p> <h2>Whole Life Insurance Costs</h2> <p>While some of the cash value features and the permanent nature of whole life insurance sound appealing, for many people, whole life insurance is simply unaffordable.</p> <p>Many life insurance shoppers look at <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/insurance/comparing-term-life-vs-whole-life-insurance/">term life vs. whole insurance</a> costs. It’s never an apples-to-apples comparison because the policies are so different. That said, we found that a $500,000 40-year term life policy from Legal & General (the longest term life policy currently available) would cost about $700 a year for a healthy 30-year-old male. A $500,000 whole life policy from American National would cost about $4,060 — or 5.8 times more. Price differentials will vary according to age and coverage amount.</p> <p>This cost differential makes whole life far less attractive to the majority of individuals with an insurance need.</p> <style>.mobile-ui .policygenius-wrapper { padding-top: 15px; margin-bottom:15px; }</style> <div class="policygenius-wrapper"> <div id="policygenius-price-calculator" data-offer-id="278" data-aff-id="1780"></div> </div> <h2>Factors in Whole Life Insurance Pricing</h2> <p>The coverage amount you choose will help determine your rate, along with:</p> <ul> <li>Age and gender</li> <li>Height and weight</li> <li>Past and current health conditions</li> <li>The health history of your parents and siblings</li> <li>Nicotine and marijuana use, including nicotine patches and gum</li> <li>Substance abuse</li> <li>Credit</li> <li>Criminal history</li> <li>Driving record (especially DUI convictions and moving violations such as speeding tickets)</li> <li>Dangerous hobbies and activities (such as piloting planes or rock climbing</li> </ul> <p>For whole life, there are a variety of other features and provisions that can affect costs as well, such as:</p> <ul> <li><strong>Payment period</strong>: You can choose to pay for the entire policy in a short time frame, such as 10 or 20 years. The premium would rise substantially given the front loading of payments.</li> <li><strong>Guaranteed return rate</strong>: Some companies offer a higher guaranteed return, which can result in higher annual premiums.</li> <li><strong>Dividend crediting</strong>: Many whole life policies pay out a dividend, and policyholders can choose how to receive it. Receiving your dividend payments as a credit toward premiums reduces your annual out of pocket cost.</li> </ul> <h2>Surrendering Whole Life Insurance</h2> <p>With term life insurance, if you no longer have a need for insurance, you can simply stop paying. Once you stop, the policy lapses, and the insurance company will no longer pay any benefit if you pass away.</p> <p>With whole life, it’s not that simple. If you stop paying, the cash value will be used to pay any premiums until the cash value runs out and the policy lapses. But there are alternatives to simply stopping payments. Options vary depending on your plan but may include:</p> <p><strong>Cash surrender value:</strong> You can simply ask for the cash surrender value to be paid to you. This is the cash value minus the surrender charge. This action ends the insurance policy, so you should only do this if you no longer have a need for insurance, or have new insurance in place.</p> <p>By taking the surrender value, you’ll have to pay income taxes on any investment gains that were part of the cash value.</p> <p><strong>Reduced paid-up life insurance:</strong> The company takes what you’ve already paid in, calculates how large of a death benefit that would permanently provide, and gives you a policy with the lower death benefit amount. This avoids any taxes and leaves you with some life insurance, but it may not be the full amount of coverage you need.</p> <p><strong>Extended term life insurance: </strong>The company takes wahat you’ve already paid and converts your policy into a term life policy for the same death benefit. How long the policy lasts depends on how much you’ve paid, how old you are, and the company’s current rates for a policy of that size and duration. This is helpful for someone who wants to preserve some life insurance for a short period of time, but no longer has a need for whole life insurance.</p> <p><strong>1035 exchange: </strong>You can exchange your policy for a different life insurance policy, or for an annuity. This can make sense to avoid taxes on the surrender value, or if you realize another whole life policy has substantially better features and you’d prefer to have that policy instead.</p> <h2>When Does Whole Life Make Sense?</h2> <p>Given the expense of whole life insurance and that many people do not need insurance for their entire lives, it is often not the ideal product to purchase. However, there are some specific situations where a form of permanent life insurance makes sense.</p> <p><strong>Funding a trust: </strong>Permanent life insurance can be used to fund a trust that will support children after you die.</p> <p><strong>Paying estate taxes:</strong> For those with estates larger than the current estate tax exemption, <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/sites/ashleaebeling/2019/11/06/irs-announces-higher-estate-and-gift-tax-limits-for-2020/">which is $11,580,000 in 2020</a>, permanent life insurance may make sense to help heirs pay any estate taxes due when you pass away. <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/sites/ashleaebeling/2018/12/12/where-not-to-die-in-2019/#14c0e68c48f8">Some states have lower estate tax limits</a>, so it may make sense for folks living in those states as well.</p> <p><strong>Funding a buy-sell agreement:</strong> If you’re an owner of a business with a partner, you might consider whole life insurance to fund the purchase of each other’s shares in the business at death.</p> <h2>Top Sellers of Whole Life Insurance</h2> <p>Below are the biggest sellers of whole life insurance, in alphabetical order. The list is based on annualized premium in the first three quarters of 2019, according to LIMRA, a research group for the financial services industry. See our ratings to find the <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/life-insurance/best-life-insurance-companies/">best life insurance companies</a>.</p> <ul> <li>Gerber Life Insurance Co.</li> <li>Guardian Life Insurance Co. of America</li> <li>MassMutual Life Insurance Co.</li> <li>Mutual of Omaha Cos.</li> <li>New York Life</li> <li>Northwestern Mutual</li> <li>OneAmerica Financial</li> <li>Penn Mutual</li> <li>State Farm Life</li> <li>Transamerica</li> </ul> <h2>Life Insurance Market Share</h2> <p>Whole life makes up over one-third of the individual life insurance market as measured by premiums paid. This is largely driven by its high cost.</p> <table> <tbody> <tr> <td><strong>Type</strong></td> <td align="center"><strong>Market share based on premiums paid</strong></td> </tr> <tr> <td>Whole life insurance</td> <td align="center">35%</td> </tr> <tr> <td>Universal life insurance</td> <td align="center">36%</td> </tr> <tr> <td>Variable universal life insurance</td> <td align="center">7%</td> </tr> <tr> <td>Term life insurance</td> <td align="center">22%</td> </tr> <tr> <td colspan="2" align="center"><i>Source: LIMRA, based on sales for the first three quarters of 2019.</i></td> </tr> </tbody> </table> <h2>Is Whole Life Insurance the Right Choice for You?</h2> <p>Here are questions and alternatives to help you decide if whole life insurance is right for you.</p> <ul> <li>Do you need life insurance for more than 30 years?</li> <li>Do you need cash value life?</li> <li>Do you want flexibility with payments or the payout amount?</li> <li>Do you need a payout when you pass away, or only after both you and a spouse pass away?</li> </ul> <style> .faqs.faq-container { margin: 16px 0 0; } hr.faq-separator { height: 4px; border:none; border-top: 4px #395BB6 solid !important;} .faqs.faq-container h2 { font-family: 'Merriweather', sans-serif; font-weight: bold; font-size: 18px; line-height: 30px; color: #333333; margin-bottom: 20px; } .faqs.faq-container .faq-wrapper { padding: 16px 0; border-top: 1px solid #DEE1E1; padding: 0; } .faqs.faq-container .faq-wrapper p, .faqs.faq-container .faq-wrapper .faq-question, .faqs.faq-container .faq-wrapper li { font-family: "Work Sans", sans-serif; font-size: 16px; line-height: 26px; color: #333333; letter-spacing: -0.5px; } .faqs.faq-container .faq-wrapper .faq-question { font-weight: 600; margin: 0; } .faqs.faq-container .faq-wrapper p { padding: 0; margin: 0;} .faqs.faq-container .faq-wrapper .faq-question-wrapper { display: -webkit-box; display: -ms-flexbox; display: flex; cursor: pointer; padding: 16px 0; outline: 0; word-break: break-word; } .faqs.faq-container .faq-wrapper .faq-question-wrapper .chevron-wrapper { height: 24px; width: 24px; margin-right: 12px; display: -webkit-box; display: -ms-flexbox; display: flex; -webkit-box-pack: center; -ms-flex-pack: center; justify-content: center; -webkit-box-align: center; -ms-flex-align: center; align-items: center; padding-top: 2px; } .faqs.faq-container .faq-wrapper .faq-question-wrapper img { -ms-flex-item-align: center; -ms-grid-row-align: center; align-self: center; } .faqs.faq-container .faq-wrapper .faq-answer { margin: -4px 0 16px 36px; word-break: break-word; } .faqs.faq-container .faq-wrapper .faq-answer ul, .faqs.faq-container .faq-wrapper .faq-answer ol {margin-top: 0;} .faqs.faq-container .faq-wrapper .faq-answer ol li {margin-left: 0;} .faqs.faq-container .faq-wrapper .faq-answer ol {padding: 0 5px 0 20px;} .faqs.faq-container .faq-wrapper .faq-answer { display: none; } .chevron-arrow { display: inline-block; border-right: 2px solid #395BB6; border-bottom: 2px solid #395BB6; width: 10px; height: 10px; -webkit-transform: rotate(45deg); -ms-transform: rotate(45deg); transform: rotate(45deg); margin-top: 0; } .chevron-arrow.top { -webkit-transform: rotate(-135deg); -ms-transform: rotate(-135deg); transform: rotate(-135deg); margin-bottom: 0; margin-top: 5px; } .faqs .table-wrapper { word-break: normal; } @media screen and (min-width: 768px) { .faqs.faq-container { margin: 16px 0 0; } .faqs.faq-container .faq-wrapper p, .faqs.faq-container .faq-wrapper .faq-question { font-size: 18px; line-height: 30px; } .faqs.faq-container .faq-wrapper .faq-answer p { font-size: 16px; line-height: 26px; } .faqs.faq-container h2 { font-size: 22px; line-height: 34px; margin-bottom: 24px; } .faqs.faq-container .faq-wrapper { padding: 20px 0; padding: 0; } .desktop-ui .faqs.faq-container .faq-wrapper .faq-question-wrapper:hover .faq-question { text-decoration: underline;} .faqs.faq-container .faq-wrapper .faq-question-wrapper { padding: 20px 0;} .faqs.faq-container .faq-wrapper .faq-question-wrapper .chevron-wrapper { margin-right: 16px; padding-top: 4px; } .faqs.faq-container .faq-wrapper .faq-answer { margin: 0 0 20px 40px; } hr.faq-separator { margin-top: 8px;} } @media screen and (max-width: 1024px) { .faqs.faq-container .faq-wrapper.collapsed .faq-question-wrapper .faq-question { text-decoration: none;} } </style> <section class="faqs faq-container"> <h2>Frequently Asked Questions</h2> <div class="faq-wrapper"> <div class="faq-question-wrapper"> <div class="chevron-wrapper"> <div class="chevron-arrow"></div> </p></div> <h3 class="faq-question">Do you need life insurance for more than 30 years?</h3> </p></div> <div class="faq-answer"> <p>If the situation you want to cover with life insurance has a finite end, it might not make sense to pay for whole life insurance.</p> <p><i>Alternative:</i> Term life is good for covering specific debts and time periods. For example, if you want life insurance to cover 20 years while you pay a mortgage, term life is a good choice. Life insurers commonly offer 30-year term life policies, and you can generally buy one into your 50s.</p> </p></div> </p></div> <div class="faq-wrapper"> <div class="faq-question-wrapper"> <div class="chevron-wrapper"> <div class="chevron-arrow"></div> </p></div> <h3 class="faq-question">Do you even need cash value?</h3> </p></div> <div class="faq-answer"> <p>One of the features that adds to the cost of whole life insurance is the cash value feature and the guaranteed investment gain on it. Cash value policies are good for people who intend to withdraw the money later, or take a loan against it.</p> <p><i>Alternative:</i> Guaranteed universal life insurance offers lifelong coverage for a lower cost than whole life because it usually doesn’t build any cash value.</p> </p></div> </p></div> <div class="faq-wrapper"> <div class="faq-question-wrapper"> <div class="chevron-wrapper"> <div class="chevron-arrow"></div> </p></div> <h3 class="faq-question">Do you want flexibility with payments or the payout amount?</h3> </p></div> <div class="faq-answer"> <p>With whole life insurance, you generally pay a fixed amount for the rest of your life. Whole life insurance also guarantees to pay a specific death benefit to your beneficiaries. But it may turn out that you’d prefer to pay less, or that your beneficiaries don’t need the full payout.</p> <p><i>Alternative: </i>Some forms of universal life insurance let you vary both the premium payment and the death benefit. This can provide some flexibility down the road, as your finances change, or your beneficiaries’ own finances grow.</p> </p></div> </p></div> <div class="faq-wrapper"> <div class="faq-question-wrapper"> <div class="chevron-wrapper"> <div class="chevron-arrow"></div> </p></div> <h3 class="faq-question">Do heirs need a payout when you pass away, or only after both you and a spouse pass away?</h3> </p></div> <div class="faq-answer"> <p>If your beneficiaries need a life insurance payout only after both you and spouse are deceased, you may not need whole life insurance.</p> <p><i>Alternative: </i>Survivorship life insurance, also called second-to-die life insurance, might be a better choice. These policies insure two lives at once and pay out only when both people pass away. Survivorship life insurance is generally cheaper than buying two separate life insurance policies.</p> </p></div> </p></div> </section> <p><script> $(function () { $('.faq-question-wrapper').off('click').on('click', function () { var parent = $(this).parents('.faq-wrapper'); var faqAnswer = parent.find('.faq-answer'); var chevronArrow = parent.find('.chevron-arrow'); if (faqAnswer.is(':hidden')) { parent.removeClass('collapsed'); chevronArrow.addClass('top'); } else { parent.addClass('collapsed'); chevronArrow.removeClass('top'); } faqAnswer.slideToggle(); }); $('.faq-section').prev().addClass('faq-separator'); }) </script></p> <h2>Know What You’re Getting Into</h2> <p>Whole life insurance is a product that has some uses, but it’s not for everybody. The additional benefits offered by whole life can often be found by using your retirement and investment accounts for gains, in combination with a term life insurance policy. Before purchasing any insurance policy, be sure to fully understand the options available, and the various provisions each policy comes with.</p> <div class="br-wrapper exclude-eds"> <p style="text-align: center;"><strong>Compare Life Insurance Companies</strong><br/> <em><span style="color: #0000ff;">Compare Policies With 8 Leading Insurers<br/> </span></em></p> <p style="text-align: center;"><a href="https://web.archive.org/web/20201019023302/http://policygenius.go2cloud.org/aff_c?offer_id=277&aff_id=1782&source=https://www.forbes.com/advisor/life-insurance/whole-life-insurance/" class="fadv-button m-0" rel="nofollow noopener" target="_blank">Get A Quote</a></p> </div> </div> <div style="text-align: center;" data-mooform-id="cf00a8d6-3ee7-4faf-862d-c98e6c4e7f28"></div> <script type="text/javascript" id="">!function(a,g,d,e,b){function f(a){var b=~~(Date.now()/3E5),c=document.createElement(d);c.async=!0;c.src=a+"?ts\x3d"+b;a=document.getElementsByTagName(d)[0];a.parentNode.insertBefore(c,a)}a.MooTrackerObject=b;a[b]=a[b]||function(){return a[b].q?void a[b].q.push(arguments):void(a[b].q=[arguments])};window.attachEvent?window.attachEvent("onload",f.bind(this,e)):window.addEventListener("load",f.bind(this,e),!1)}(window,document,"script","//web.archive.org/web/20201019023302/https://cdn.stat-track.com/statics/moosend-tracking.min.js","mootrack"); mootrack("init","92e7a2121b7b49a081a54249ef37c9f0");mootrack("trackPageView");</script> </div> </div> <div class="right-rail col-lg-3 show-right-rail-section"> <div class="right-rail__content"> <style> .best-of-content .boc__section-heading { display: none;} .best-of-content .boc__sub-section { margin: 16px 0 32px;} .best-of-content .boc__items { margin: 12px 0;} .best-of-content .boc__sub-section-heading { font-family: "Work Sans", sans-serif; font-weight: 500; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #333333; text-transform: uppercase; padding-bottom: 12px; border-bottom: 1px solid #c8cccc;} .best-of-content .boc__item-link { font-family: "Work Sans", sans-serif; font-size: 14px; line-height: 22px; letter-spacing: -0.5px; color: #395BB6; text-decoration: none;} .best-of-content .boc__item-link:hover { text-decoration: underline;} .best-of-content .boc__item-list { margin-bottom: 12px;} .best-of-content hr { height: 1px; border: none; border-top: 1px #C8CCCC solid; margin: 16px 0;} @media (max-width: 767px) { .best-of-content { max-width: 270px;} .best-of-content .boc__sub-section { margin-top: 0;} .best-of-content .boc__sub-section:last-child { margin-bottom: 0;} } @media screen and (max-width: 599px) { .best-of-content hr { margin: 16px 0;} } </style> <div class="best-of-content"> <div class="boc__section"> <div class="boc__section-heading">Our Guides to Life Insurance<span 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block-620x350"> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/life-insurance/underwriting-classes/" title="Life Insurance Underwriting Classes Explained"> <div class="article-img "> <img class="lozad-ra static-ra-image" data-img-src="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/wp-content/uploads/2020/07/life_insurance_risk_classes_jpg_LiY5UMrl-568x322.jpg"> </div> <div class="article-description"> <h5 class="title">Life Insurance Underwriting Classes Explained</h5> <div class="author-wrapper"> <span class="author-favicon"><img class="lozad-ra" data-img-src="https://web.archive.org/web/20201019023302/https://thumbor.forbes.com/thumbor/fit-in/24x24/https://www.forbes.com/advisor/wp-content/uploads/2020/02/Cameron-Huddleston_headshot2.jpg" alt="Cameron Huddleston"></span> By <strong>Cameron Huddleston</strong> contributor </div> </div> </a> </div> <div class="rafeed__block rafeed__block-0-5 "> <a class="rafeed__anchor" target="_blank" rel="noopener noreferrer" href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/life-insurance/life-settlements/" title="Life Settlements Provide Escape Hatch When You Need Cash"> <div class="article-img "> <img class="lozad-ra static-ra-image" data-img-src="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/wp-content/uploads/2020/07/cash_register_jpg_2GgFlwhl-568x322.jpg"> </div> <div class="article-description"> <h5 class="title">Life Settlements Provide Escape Hatch When You Need Cash</h5> <div class="author-wrapper"> <span class="author-favicon"><img class="lozad-ra" data-img-src="https://web.archive.org/web/20201019023302/https://thumbor.forbes.com/thumbor/fit-in/24x24/https://www.forbes.com/advisor/wp-content/uploads/2020/02/Cameron-Huddleston_headshot2.jpg" alt="Cameron Huddleston"></span> By <strong>Cameron Huddleston</strong> contributor </div> 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The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our <a class="disclosure-link" title="Advertiser Disclosure" target="_blank" href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/advertiser-disclosure/">partners</a>. </div> <div class="contrib bottom-contrib-block"> <style> .article__author-bio-top .author__block{display: flex; align-items: center;} .article__author-bio-top .author__block-content { font-family: 'Work Sans', sans-serif;} .article__author-bio-top .author__block-content .author__block-name{padding-right: 10px; font-weight: 500;} .article__author-bio-top .author__block-content .author__block-role{margin-left: 0;} .article__author-bio-bottom > p > a { color: #003891;} .article__author-bio-bottom > p > a:hover { text-decoration: underline;} .article__author-bio-bottom > p > strong, .article__author-bio-bottom > p > b { font-weight: bold;} .article__author-bio-bottom > p > s, .article__author-bio-bottom > p > strike { text-decoration: strike-through;} </style> <div class="article__author-bio"> <div class="single-author"> <div class="article__author-bio-top"> <div class="author__block author__block-no-border author__block-no-margin"> <div class="author__block-image-wrap"> <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/author/ryan-frailich/" title="Ryan Frailich" target="_blank"> <img class="lozad avatar avatar-64 wp-user-avatar wp-user-avatar-64 photo" src="/web/20201019023302im_/https://www.forbes.com/advisor/life-insurance/whole-life-insurance/" data-img-src="https://web.archive.org/web/20201019023302/https://thumbor.forbes.com/thumbor/fit-in/x/https://www.forbes.com/advisor/wp-content/uploads/2019/02/ryan-frailich-88x88.png" width="64" height="64" alt="Ryan Frailich"> </a> </div> <div class="author__block-content"> <div class="author-heading"> <a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/author/ryan-frailich/" target="_blank" class="author__block-name">Ryan Frailich</a> </div> <span class="author__block-role">contributor</span> </div> </div> </div> <div class="article__author-bio-bottom"> <p> I worked as a teacher and as a school administrator overseeing HR before becoming a fee-only financial planner. Working in HR revealed a lot about the financial lives of employees, and the lightbulb went off: Too many smart and talented people feel overwhelmed with finances, always wondering if they're making mistakes. And too many people who want help are taken advantage of or shut out by large financial institutions. I changed careers, earned a certificate in financial planning, and started Deliberate Finances. I work with couples in their 20s, 30s, and 40s to put together the pieces of their financial puzzle, from getting married, to student loans, what it means to plan for retirement, and what to expect (financially!) when a baby is on the way. When not working, I spend my time exploring my adopted home city of New Orleans with my wife & young son. </p> </div> </div>  </div> </div> <div class="article_published_date" style="font-family:'Work Sans',Arial,Helvetica,sans-serif;font-size: 12px;line-height: 18px;color: #929A9B;margin: 20px 0;"> First Published: Jan 23, 2020, 7:00am</div> </div> </div>  <script src="https://web.archive.org/web/20201019023302js_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/js/plugins/simplebar-scrollbar.js"></script> <style> footer *{ margin: 0; padding: 0; border: 0; font: inherit; vertical-align: baseline; } footer.shared-footer { background-color: #dedede; border: 0; position: relative; padding: 0 48px; clear: both; } footer.shared-footer .row-inner { height: auto; max-width: 1300px; margin: 0 auto; text-align: center } footer.shared-footer .footer-logo { float: none; margin-top: 26px; border-bottom: 1px solid #ccc; padding-bottom: 12px; } footer.shared-footer .footer-logo .copy { display: block; font: 10px "Work Sans",sans-serif; color: #181716; padding-top: 16px } footer.shared-footer .footer-logo .icon-forbes-logo { color: #181716; font-size: 38px; vertical-align: bottom; line-height: 0; } footer.shared-footer .footer-links { padding: 12px 0 60px; float: right; font-size:0; } footer.shared-footer .footer-links li { display: inline-block; line-height: 16px; margin-right: 10px; font: 12px "Work Sans",sans-serif } footer.shared-footer .footer-links li:last-child { margin-right: 0 } footer.shared-footer .footer-links li:not(:last-child) a:after { content: ''; color: #b3b3b3; margin-left: 10px } footer.shared-footer .footer-links li.mob { display: none } footer.shared-footer .footer-links a { color: #181716; text-decoration: none } footer.shared-footer .footer-links-wrapper { display: inline-block } @media all and (max-width: 1220px) { footer.shared-footer .footer-links li { font-size: 11px; margin-right: 4px; display: inline-block; line-height: 20px; float: none } footer.shared-footer .footer-links li:not(:last-child) a:after { margin-right: 4px } } @media all and (max-width: 1024px) { footer.shared-footer .footer-links-wrapper { clear: both; padding: 0 0 24px } footer.shared-footer .footer-links-wrapper .footer-links { padding: 20px 0 } footer.shared-footer .footer-links-wrapper .footer-links li.desk { display: none } footer.shared-footer .footer-links-wrapper .footer-links li.mob { display: inline-block } } @media all and (max-width: 480px) { footer.shared-footer { border-bottom-width:75px } footer.shared-footer .footer-logo { margin-top: 20px } footer.shared-footer .footer-logo .copy { padding-top: 10px } footer.shared-footer .footer-links { margin-bottom: 10px; width: 100%; } footer.shared-footer .footer-links li { font: 14px/30px "Work Sans",sans-serif; display: block; margin: 0 } } </style> <div class="ng-scope"> <footer class="clearfix shared-footer"> <div class="row-inner"> <div class="footer-logo"><a href="https://web.archive.org/web/20201019023302/https://www.forbes.com/" target="_self" class="logo logo-footer" aria-label="forbes"><i class="icon icon-forbes-logo"></i></a> <span class="copy ng-binding">© 2020 Forbes Media LLC. 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var preconnectEvent = (function (element) { return function (event) { preconnectEventHandler(event, element, preconnectEvent); }; })(element); if (!isPreconnectedHostname(hostname)) { eventLib.addEvent(element, "mouseover", preconnectEvent); eventLib.addEvent(element, "touchstart", preconnectEvent); } } /** * Removes hostname from the list of pre-connected hostname's * @param hostname */ function removeHostnameFromPreconnectedList(hostname) { preconnectedHostsList[hostname] = 0; } /** * Adds hostname to the list of pre-connected hostname's * @param hostname */ function addHostnameToPreconnectedList(hostname) { preconnectedHostsList[hostname] = 1; } /** * Checks if the hostname is pre-connected or not * @param hostname * @returns {boolean} */ function isPreconnectedHostname(hostname) { return preconnectedHostsList[hostname] === 1; } /** * Attaches eventAction Event to the element passed * @param eventAction * @param element */ function initialisePreconnectSetup(eventAction, element) { if (eventAction == "hover") { attachHoverListener(element); } } function isSupported() { return hintUtil.isHintSupported("preconnect"); } return { initialisePreconnectSetup: initialisePreconnectSetup, isSupported: isSupported }; })(hintUtil, eventLib, domUtil); var dnsPrefetchHandler = (function (hintUtil, domUtil) { var dnsPrefetchedHostsList = {}; function initialiseDnsPrefetchSetup(element) { var hostname = domUtil.getHostnameOfAnchorElement(element); if (!isDnsPrefetchedHostname(hostname)) { hintUtil.injectHostNameHint("dns-prefetch", hostname); addHostnameToDnsPrefetchedList(hostname); } } /** * Adds hostname to the list of dns pre-fetched hostname's * @param hostname */ function addHostnameToDnsPrefetchedList(hostname) { dnsPrefetchedHostsList[hostname] = 1; } /** * checks if hostname is dns pre-fetched or not * @param hostname * @returns {boolean} */ function isDnsPrefetchedHostname(hostname) { return dnsPrefetchedHostsList[hostname] === 1; } function isSupported() { return hintUtil.isHintSupported("dns-prefetch"); } return { initialiseDnsPrefetchSetup: initialiseDnsPrefetchSetup, isSupported: isSupported }; })(hintUtil, domUtil); var init = function(anchorElement){ if (preconnectHandler.isSupported()) { preconnectHandler.initialisePreconnectSetup("hover", anchorElement); } if (dnsPrefetchHandler.isSupported()) { dnsPrefetchHandler.initialiseDnsPrefetchSetup(anchorElement); } } return { init : init } })(); </script><script src="https://web.archive.org/web/20201019023302js_/https://www.forbes.com/advisor/wp-content/themes/fadv/assets/js/plugins/xss.min.js"></script> <script> var __cookieController = (function () { function getSubDomain() { var hostName = window.location.hostname; if (!!hostName) { var parts = hostName.split('.'); if (parts.length > 2) { parts.shift(); } hostName = parts.join('.'); } return hostName; } /* * Read a cookie value * */ function get(name) { var start = document.cookie.indexOf(name + "="); var len = start + name.length + 1; if ((!start) && (name !== document.cookie.substring(0, name.length))) { return null; } if (start === -1) { return null; } var end = document.cookie.indexOf(";", len); 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";path=" + path : ""); } return { get: get, set: set, } })(); var __helper = (function () { /* * Get Host name from url * */ function getHostname(url) { if (!!url) { var link = document.createElement('a'); link.href = url; return link.hostname; } return null; } /* * Get Query Parameter * */ function getQueryParameterValue(field, url) { var href = url ? url : window.location.href; var reg = new RegExp('[?&]' + field + '=([^&#]*)', 'i'); var string = reg.exec(href); return string ? string[1] : null; } /* * Checks for empty values * Example : '' | "" | null | undefined | false * */ function empty(val) { return val === '' || val === null || typeof val == 'undefined' || val === false; } /* * Generate values between two numbers exclusive of the range * */ function getRandomInt(min, max) { min = Math.ceil(min); max = Math.floor(max); return Math.floor(Math.random() * (max - min)) + min; } return { getHostname: getHostname, getQueryParameterValue: getQueryParameterValue, empty: empty, getRandomInt: getRandomInt, } })(); var __linkTrackingController = (function (__cookie, __util, __prefetch) { var E2E_COOKIE_ADVISOR_USER_ID = 'fadve2etid'; var E2E_COOKIE_ADVISOR_USER_VISIT_COUNT = 'fadve2etidvcnt'; var E2E_COOKIE_ADVISOR_UTM = 'fadve2esrc'; var E2E_COOKIE_ORIGINAL_TID_PARAM = 'fadve2etid_oname'; var E2E_COOKIE_ORIGINAL_TID_VALUE = 'fadve2etid_oval'; var E2E_HOST = 'related.forbes.com'; var BANKRATE_HOST = 'oc.brcclx.com'; var POLICYGENIUS_HOST = "policygenius.go2cloud.org"; var CM_PREFIX_ID = '_spid'; var E2E_REDIRECT_URL = 'https://web.archive.org/web/20201019023302/https://related.forbes.com/trf?o=kvthEn5fH67DbDShdW0Utm0azruIiFEWh2PCIg3ahdQF7Gq3Ik-JRgYyDaXEqEraExM_DA0tDWuCcVfQQGfdTWD-sXrGPbcRrbbSdKoJ4-473COPAkORFxHRUUarZtst0oNgMsNkPTFW01NvOSieOtp_wC2wUVDP&p=qIZUfGF2w6pxNO0krbxBf2o-8MJII1YwehXZNXIUxHHkbrJRS564JaRaPyj7AKpp&r='; /* * Generate a hash code from a string * */ String.prototype.hashCode = function () { var hash = 0; if (this.length === 0) return hash; for (i = 0; i < this.length; i++) { char = this.charCodeAt(i); hash = ((hash << 5) - hash) + char; hash = hash & hash; } if (hash < 0) return "N" + (hash * -1); else return "P" + hash; }; /* * Get Utm params Mapping * */ function getUtmSourceClickIdParamMapping() { return { "outbrain": ["ob_click_id", "clickid", "OutbrainClickId", "outbrainclickid"], "taboola": ["tcid"], "google": ["gclid"], "bing": ["msclkid"], "kw": ["fbclid"] }; } /** * Returns object with parameter and value * Example : ob_click_id=jfkjkfjskafjkj * returns : { param: ob_click_id , value:jfkjkfjskafjkj } */ function getOgUtmParamValuePair() { var trackingParamsObj = {}; var utmSource = __util.getQueryParameterValue('utm_source'); if (!!utmSource) { utmSource = utmSource.toLowerCase(); var utmParamMappinArray = getUtmSourceClickIdParamMapping(); if (!!utmParamMappinArray[utmSource] && utmParamMappinArray[utmSource].length > 0) { for (var idx_param = 0; idx_param < utmParamMappinArray[utmSource].length; idx_param++) { var idFromUrl = __util.getQueryParameterValue(utmParamMappinArray[utmSource][idx_param]); if (!!idFromUrl) { trackingParamsObj.param = utmParamMappinArray[utmSource][idx_param]; trackingParamsObj.value = idFromUrl; break; } } } } return trackingParamsObj; } /** * Returns Hash code from value of predefined parameters * Example : ob_click_id=jfkjkfjskafjkj * Object : { param: ob_click_id , value:jfkjkfjskafjkj } * returns : P6767676 */ function getUserIdHashFromUrl() { var hash = ''; var paramsObj = getOgUtmParamValuePair(); if (paramsObj.hasOwnProperty('value') && !__util.empty(paramsObj.value) && typeof paramsObj.value === 'string') { var hashInput = paramsObj.value + new Date().getTime() + __util.getRandomInt(1, 99); hash = hashInput.hashCode(); } return hash; } /* * Get Default User ID Hash * returns hash : P74473637 * */ function getDefaultUserIdHash() { var userid = 'NOTID' + new Date().getTime() + __util.getRandomInt(1, 99); return userid.hashCode(); } /* * Get Unique Hash * returns numeric 9 digit value: 187654367 * */ function getUniqueId(suffix) { suffix = suffix || ''; var rand = __util.getRandomInt(100000000, 999999999); var timestamp = (suffix.toUpperCase() + Math.round((new Date()).getTime() / 1000)); return timestamp.concat(rand); } /** * Add a query string to url */ function addQueryString(param) { var url; if (param.hasOwnProperty('url') && !__util.empty(param.url)) { url = param.url; } if (param.hasOwnProperty('parameterName') && !__util.empty(param.parameterName) && param.hasOwnProperty('parameterValue') && !__util.empty(param.parameterValue)) { if (url.indexOf(param.parameterName) !== -1 && param.hasOwnProperty('override') && param.override === true) { var tidFromurl = __util.getQueryParameterValue(param.parameterName, url); url = url.replace(param.parameterName + '=' + tidFromurl, param.parameterName + '=' + param.parameterValue); } else { //if parameter is not found if (url.indexOf('?') !== -1) { url = url + '&' + param.parameterName + '=' + param.parameterValue; } else { url = url + '?' + param.parameterName + '=' + param.parameterValue; } } } return url; } /** * @param link * @param attributes */ function setAttributesToLink(link, attributes) { if (!!link && typeof attributes === 'object') { for (var prop in attributes) { if (attributes.hasOwnProperty(prop) && !!attributes[prop]) { link.setAttribute(prop, attributes[prop]); } } } return link; } /** * Appends tracking ID to provided url * Checks for topics | bankrate url * @param url * @param hostName * @param trackingId * * @return string */ function appendTrackingId(url, hostName, trackingId) { var urlWithTrackingID; if (E2E_HOST === hostName) { var affiliateLink = __util.getQueryParameterValue('r', url); if (!!affiliateLink) { affiliateLink = decodeURIComponent(affiliateLink); affiliateLink = addQueryString({ url: affiliateLink, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(affiliateLink) + CM_PREFIX_ID; }else{ urlWithTrackingID = url; } } else if (BANKRATE_HOST === hostName) { url = addQueryString({ url: url, parameterName: 'tid', parameterValue: trackingId, override: true, }); urlWithTrackingID = E2E_REDIRECT_URL + encodeURIComponent(url) + CM_PREFIX_ID; } else if (POLICYGENIUS_HOST === hostName) { urlWithTrackingID = addQueryString({ url: url, parameterName: 'aff_click_id', parameterValue: trackingId, override: true, }); } else { urlWithTrackingID = url; } return urlWithTrackingID; } /* * Get User Id Hashcode * */ function getUserIdHash() { var userid = ''; //Get Tid From Url var tidFromUrl = __util.getQueryParameterValue('tid'); if (!!tidFromUrl) { userid = tidFromUrl; } //Generate hash from if og parameter is found in url var userIdHashFromUrl = getUserIdHashFromUrl(); if (__util.empty(userid) && !!userIdHashFromUrl) { userid = userIdHashFromUrl; } //Read user id from cookie if found if (__util.empty(userid)) { userid = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); } //Generate a new user id if (__util.empty(userid)) { userid = getDefaultUserIdHash(); } return userid; } //get user id hash var USER_ID_HASH = getUserIdHash(); /** * Set Cookie Values * fadve2etid = USERID | Generated from Client Side script * fadve2etidvcnt = 1 | Increments on every page refresh * fadve2esrc = utm_source * fadve2etid_oname = gclid * fadve2etid_oval = fjdalskff78gsf78asfsf7as6f7as */ function setCookie() { //Get user id Hash var userIDHash = USER_ID_HASH; //Number of days to store cookies var noOfDays = 1; //Get userid from cookie var userIdFromCookie = __cookie.get(E2E_COOKIE_ADVISOR_USER_ID); //If cookie is not present then create one if (__util.empty(userIdFromCookie) && userIDHash !== userIdFromCookie) { //create cookie for userid __cookie.set(E2E_COOKIE_ADVISOR_USER_ID, userIDHash, noOfDays); //set user visit count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, 1, noOfDays); //set utm source if exist var utmSource = __util.getQueryParameterValue('utm_source'); if (!__util.empty(utmSource)) { __cookie.set(E2E_COOKIE_ADVISOR_UTM, utmSource, noOfDays); } var ogParamObj = getOgUtmParamValuePair(); //set og param Example: og_click_id if (ogParamObj.hasOwnProperty('param') && !__util.empty(ogParamObj.param)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_PARAM, ogParamObj.param, noOfDays); } //set og param value if (ogParamObj.hasOwnProperty('value') && !__util.empty(ogParamObj.value)) { __cookie.set(E2E_COOKIE_ORIGINAL_TID_VALUE, ogParamObj.value, noOfDays); } } else { //get user visit count var userVisitCount = __cookie.get(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT); userVisitCount = parseInt(userVisitCount); userVisitCount++; //set incremented visitor count __cookie.set(E2E_COOKIE_ADVISOR_USER_VISIT_COUNT, userVisitCount, noOfDays) } } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function getTrackingIdHash() { var hashes = {}; var uniqueIdHash = getUniqueId('c'); hashes.uid = uniqueIdHash; hashes.tid = USER_ID_HASH + '_' + uniqueIdHash; return hashes; } /** * Set Tracking Values (?tid=USERID_UNIQUEID) for all bankrate urls * Set Link Attributes rel="nofollow" & target="_blank" */ function setTrackingId(elSelector) { var elementSelector = elSelector || '.inarticle-link-tracking a'; var links = document.querySelectorAll(elementSelector); if (links.length > 0) { for (var x = 0; x < links.length; x++) { var link = links[x]; var url = link.getAttribute('href'); //get hostname var hostName = __util.getHostname(url); 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var BANKRATE_HOST = 'oc.brcclx.com'; var analyticsParams = { pageview_event: 'pageview', bankrate_event: 'bankrate', page_template: 'Article', tid: __linkTrackingController.USER_ID_HASH, session_pageview_count: '1', original_tracking_param: '', original_tracking_param_value: '', referrer_host: '', referrer_url: '', author_name: 'Ryan Frailich', author_role: 'contributor', primary_category: 'Life Insurance', secondary_category: '', published_date: 'January 23, 2020', updated_date: 'Mar 27, 2020', ra_feed_enabled: false }; /** * Logs Event to Database * @param args */ function log(args){ var analyticsData = args || {}; var wp_action = { 'token': '5701bb566c', 'action': 'e2e_logging', }; var data = Object.assign({},wp_action,analyticsData); var ajaxConfig = { 'method': 'POST', 'url': 'https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor/wp-admin/admin-ajax.php', 'data':data }; if( Object.keys(analyticsData).length !== 0 ){ $.ajax(ajaxConfig); } } /** * Sets GTAG User ID */ function setGtagUserId(){ gtag('set', {'user_id': __linkTrackingController.USER_ID_HASH}); } /** * Logs Page View Event to database * @param a */ function logPageView(a){ var args = a || {}; var event = ( args.hasOwnProperty('event') && !!args.event ) ? args.event : analyticsParams.pageview_event; log({ event: event, template: analyticsParams.page_template, tid: analyticsParams.tid, og_tracking_parameter: analyticsParams.original_tracking_param, og_tracking_parameter_value: analyticsParams.original_tracking_param_value, }); } /** * Check for a valid html element * @param element */ function isElement(element) { return element instanceof Element || element instanceof HTMLDocument; } /** * Sends Page View Event to analytics * @param params */ function sendPageviewEvent(params){ var paramsObj = params || {}; var event = ( paramsObj.hasOwnProperty('event') && !!paramsObj.event ) ? paramsObj.event : analyticsParams.pageview_event; // logPageView({event:event}); gtag('event', event, { 'event_category': analyticsParams.page_template, 'event_label': analyticsParams.tid, 'value': analyticsParams.session_pageview_count, 'dimension3': analyticsParams.original_tracking_param, 'dimension4': analyticsParams.original_tracking_param_value, 'dimension5': analyticsParams.referrer_host, 'dimension6': analyticsParams.referrer_url, 'dimension9': analyticsParams.author_name, 'dimension10': analyticsParams.author_role, 'dimension11': analyticsParams.primary_category, 'dimension12': analyticsParams.secondary_category, 'dimension13': analyticsParams.published_date, 'dimension14': analyticsParams.updated_date, 'dimension17': analyticsParams.ra_feed_enabled }); 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As long as you pay […]" } </script><script> var attributeNofollowValue = 'nofollow'; (function($){ $(function(){ var isContributor = 1; function isInternalLink(url) { var siteUrl = 'https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor'; var url_domain = url.split('/')[2]; if (siteUrl.indexOf(url_domain) >= 0) { return true; } else { return false; } } $('.article-body a').each(function() { var linkValue = $(this).attr('href'); if (linkValue) { var gaTrackingValue = "ExternalLink:" + linkValue; $(this).attr('ga-data-track', gaTrackingValue); if (isContributor && !isInternalLink(linkValue) ) { $(this).attr('rel', attributeNofollowValue); } } }); }); })(jQuery); </script><script> function handleExternalLinking(articleBody) { var articleBody = articleBody || '.article-body'; var siteUrl = 'https://web.archive.org/web/20201019023302/https://www.forbes.com/advisor'; if (jQuery(articleBody).length > 0) { jQuery(articleBody).find('a').each(function() { var link = jQuery(this).prop('href'); if (link.indexOf(siteUrl) == -1) { jQuery(this).attr('target', '_blank'); } }); } } </script><script type="application/ld+json"> { "@context":"https://web.archive.org/web/20201019023302/https://schema.org", "@type":"FAQPage", "mainEntity":[{ "@type": "Question", "name": "Do you need life insurance for more than 30 years?", "acceptedAnswer": { "@type": "Answer", "text": "<p>If the situation you want to cover with life insurance has a finite end, it might not make sense to pay for whole life insurance.<\/p>\n<p><i>Alternative:<\/i>\u00a0Term life is good for covering specific debts and time periods. For example, if you want life insurance to cover 20 years while you pay a mortgage, term life is a good choice. Life insurers commonly offer 30-year term life policies, and you can generally buy one into your 50s.<\/p>\n" } },{ "@type": "Question", "name": "Do you even need cash value?", "acceptedAnswer": { "@type": "Answer", "text": "<p>One of the features that adds to the cost of whole life insurance is the cash value feature and the guaranteed investment gain on it. Cash value policies are good for people who intend to withdraw the money later, or take a loan against it.<\/p>\n<p><i>Alternative:<\/i>\u00a0Guaranteed universal life insurance offers lifelong coverage for a lower cost than whole life because it usually doesn\u2019t build any cash value.<\/p>\n" } },{ "@type": "Question", "name": "Do you want flexibility with payments or the payout amount?", "acceptedAnswer": { "@type": "Answer", "text": "<p>With whole life insurance, you generally pay a fixed amount for the rest of your life. Whole life insurance also guarantees to pay a specific death benefit to your beneficiaries. But it may turn out that you\u2019d prefer to pay less, or that your beneficiaries don\u2019t need the full payout.<\/p>\n<p><i>Alternative:\u00a0<\/i>Some forms of universal life insurance let you vary both the premium payment and the death benefit. This can provide some flexibility down the road, as your finances change, or your beneficiaries\u2019 own finances grow.<\/p>\n" } },{ "@type": "Question", "name": "Do heirs need a payout when you pass away, or only after both you and a spouse pass away?", "acceptedAnswer": { "@type": "Answer", "text": "<p>If your beneficiaries need a life insurance payout only after both you and spouse are deceased, you may not need whole life insurance.<\/p>\n<p><i>Alternative:\u00a0<\/i>Survivorship life insurance, also called second-to-die life insurance, might be a better choice. These policies insure two lives at once and pay out only when both people pass away. 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Forbes Guide To Whole Life Insurance – Forbes Advisor