- Quotes onlineFrom several insurance companies
- Apply onlineStart and sign the application online
- Licensed in CaliforniaInsurance license 6019379
- Questions?Call Wolf: (619) 382-3810
What it is
Coverage for your entire lifetime.
Whole life insurance is designed to cover you for your entire lifetime. It’s also called straight life or ordinary life.
Premiums stay level. In the early years they’re more than the actual cost of coverage, and the extra builds a cash value that helps pay for the policy in later years.
Some policies require premiums for a set number of years. Others require them for your whole life.
Things to know
- It costs more than term life insurance, and there’s usually little to no cash value in the first few years.
- It stays in effect for your entire life unless you cash the policy in or stop paying premiums.
- If a policy pays dividends, they aren’t promised and can be lower than the company’s projection.
- Surrender charges can be substantial, so a cash value policy isn’t a good fit if you plan to give it up early.
How it works
- 1
Get quotes
Enter a few details on Wolfcrest’s quote page and see quotes from several insurance companies.
- 2
Apply online
Start the application online and sign it electronically.
- 3
Get help when you want it
Call Wolf at (619) 382-3810 with questions at any point.
Online quote
See quotes and apply online.
See life insurance quotes from several insurance companies and start an application online, on Wolfcrest’s quote page with our life insurance brokerage partner, BackNine.
The quote opens on BackNine’s website, our life insurance brokerage partner. Details you enter there are handled by BackNine and shared with Wolf as your agent. If you request a quote, a licensed insurance agent may contact you.
FAQ
Questions people ask
Can I borrow against the cash value?
Cash value can secure a loan at the interest rate stated in the policy. Any unpaid loan is subtracted from what’s paid at death or surrender.
What if I stop paying premiums?
The policy can end. If there’s cash value, the policy’s nonforfeiture options let you choose how that cash value is used.
Can I return a policy after I buy it?
Yes. In California a new individual life policy gives you a period to review it and return it for cancellation, between 10 and 30 days, and at least 30 days for seniors. Your policy states the exact period.
Other types of life insurance
- Term life insuranceCoverage for a set period of time. Most term policies don't build cash value, and the cost of term insurance goes up as you get older if you renew.Learn more and get a quote
- Return of premium term life insuranceA term life policy that refunds part or all of the premiums paid if you outlive the term and no death benefit is paid. These policies tend to cost more because of the possible refund.Learn more and get a quote
- Universal life insuranceFlexible premiums, including guaranteed universal life and indexed universal life. If the cash value reaches zero, the policy could lapse.Learn more and get a quote
- Final expense life insuranceSmaller policies meant to cover funeral and burial costs. They can be expensive compared to other life insurance, and some won't pay the full amount if you die before paying a required amount.Learn more and get a quote
- Long-term care insuranceDesigned to pay or reimburse covered long-term care costs, like help with everyday activities. Medicare doesn't pay for long-term care.Learn more and get a quote
- Accidental death insurancePays a stated benefit if death is caused by an accident. It doesn't cover illness or natural causes, and it isn't a substitute for life insurance.Learn more and get a quote
Sources: California Department of Insurance, life insurance guide · Texas Department of Insurance, life insurance guide · NAIC Life Insurance Buyer’s Guide. Coverage, price and approval are decided by the insurance company.
Important information
- If you request a quote, a licensed insurance agent may contact you.
- Insurance: Coverage, price and approval are decided by the insurance company.
- Quotes open on BackNine's website. Details you enter there are handled by BackNine and shared with Wolf as your agent.