Whole life insurance made simple
affordable lifelong pretection with guaranteed premiums and cash value
What Is Whole Life Insurance?
Whole Life Insurance is a type of permanent life insurance that stays in force for your entire life, as long as premiums are paid. It provides a guaranteed death benefit and builds cash value that grows tax-advantaged over time.
key benefits
Simple to Get
- No medical exam up to $50,000
- Easy application process
- Most health conditions accepted
Affordable & Predictable
- Coverage starting at $1/day
- Premiums never increase
- Builds cash value
Peace of Mind
- Up to $50,000 benefit
- Covers funeral , burial, cremation
- Benefit pays directly to beneficiaries
Types of Whole Life Insurance
Whole life insurance comes in several forms, each designed to meet different needs. Whether you’re looking for affordable coverage for final expenses, a long-term policy that builds strong cash value, or guaranteed approval regardless of health, there is a whole life option for every situation.
final expense whole life
Designed for funeral, cremation, and end-of-life costs. Easy approval and affordable — typically $5,000 to $50,000 in coverage.
traditional whole life
Offers larger coverage amounts and stronger long-term cash value growth. Ideal for legacy planning or long-term financial protection.
guaranteed issue whole life
No health questions asked. Ideal for applicants with existing health conditions. A two-year waiting period typically applies.
Why Choose Whole Life Insurance?
Whole life insurance offers a combination of stability, long-term value, and guaranteed protection that other types of coverage can’t match. These core benefits make it one of the most dependable ways to safeguard your family’s financial future.
- Guaranteed Rates – Your monthly premium never goes up
- Tax-Advantaged Cash Value – Cash value grows every year and can be used when needed
- Guaranteed Death Benefit – Your loved ones receive a trax-free payout
Thanks to its lifetime coverage and cash value growth, whole life insurance can be used to cover a variety of final expenses and financial needs.
What Can Whole Life Insurance Cover?
Think of whole life as the most flexible type of permanent protection. It can help cover:
- Funeral or cremation expenses
- Burial or cemetery costs
- Outstanding medical bills
- Income replacement for loved ones
- Gifts or legacy planning
- Helping grandchildren with education
- Small debts
sample rates
Below are sample rates for non-smokers age 50, immediate coverage, graded policies available, rates not shown
| Death Benefit | Female | Male |
|---|---|---|
| $10,000 | $24.31 | $30.68 |
| $15,000 | $34.86 | $44.42 |
| $20,000 | $45.41 | $58.15 |
| $25,000 | $55.96 | $71.89 |
| $30,000 | $66.51 | $85.63 |
*Sample rates for immediate coverage. In some cases, a 2-year waiting period may apply.
Rates vary by age, health, tobacco use, and benefit amount. Click below for a free non-obligation quote
Whole life Insurance for final expenses
is more affordable than you think
Get your free quote now
Bonanza Insurance Services
francisco marroquin
Insurance Broker – CA Lic #0K34841
- Contracted with several insurance companies
- Se habla Español
- Tel & face to face by appointment
- Business Hours – M-F – 9:00 AM – 5:00 PM
helping you find affordable
whole life insurance
Thinking that you may not qualify because of a health condition, we also offer, policies with Graded Benefits and Guarantee Issue, no health questions asked
trusted by top carriers
We work with several well-known life insurance companies to offer you the best rates available and find you adequate coverage even with some health conditions
frequently asked questions
Still Have Questions About Your Final Expense Options?
If you’re not sure how much coverage you need, we’re here to help.
Send us your question below and please tell us the best time to call you
By providing your phone number and/or email, you agree that Francisco Marroquin, Broker at Bonanza Insurance Services and its licensed agents may contact you by phone, text message, or email regarding insurance products and services. Consent is not a condition of purchase. Standard message and data rates may apply
Bonanza Insurance Services is an independent insurance agency. We work with multiple top-rated carriers to help you compare coverage options. Quotes provided are for informational purposes only and are not a contract, binder, or guarantee of coverage. Actual premiums, terms, and policy approval are subject to underwriting by the selected insurance carrier. We respect your privacy and will never sell your personal information.