Whole life insurance
Whole life insurance with guaranteed cash value.
Lifelong coverage, premiums that don't go up and cash value that grows on a guaranteed schedule. A licensed agent compares plans from several insurers.
For new coverage only. For an existing policy or a claim, please call your insurance company.
Monday to Friday, 9am to 9pm ET. Free quote, no obligation.
Licensed agents · Several insurers in one call · Apply by phone
Free quote
Talk to a licensed agent now.
- Free quote
- No obligation to buy
- Your info is never sold
Eterna is an independent insurance agency, not an insurance company. Your policy is issued by the insurer you choose.
What you can get
Plans we can quote for you.
Your agent compares plans from several insurers and explains the options in plain terms.
Lifelong coverage
Coverage doesn't expire as long as premiums are paid.
Premiums that don't go up
Your premium is set when the policy starts and doesn't rise as you age.
Guaranteed cash value
Part of each premium builds cash value on a schedule the insurer guarantees. You can borrow against it; unpaid loans reduce the death benefit.
Living benefit options
Some plans pay part of the benefit early for a terminal, chronic or critical illness. Riders vary by insurer and state.
How it works
Your quote in one call.
- Call (877) 352-6808Tell a licensed agent what you're looking for.
- Answer a few questionsYour age, state, the coverage you want and some health details.
- Compare quotesYour agent checks plans from several insurers and explains each one.
- Apply by phoneIf a plan fits, apply on the same call. No obligation.
Before you call
Have this ready.
- Your date of birth
- Your height and weight
- Medications and any health conditions
- Who you'd like as your beneficiary
- How you'd like to pay the first premium
Monday to Friday, 9am to 9pm ET.
Insurers
Companies our agents are appointed with.
Plans, prices and availability vary by insurer, age, health and state.
Questions
Common questions.
What is whole life insurance?
Permanent life insurance that lasts your whole life as long as premiums are paid. The premium is set when the policy starts and doesn't go up, and the policy builds cash value.
How does the cash value work?
Part of each premium goes into cash value that grows on a schedule the insurer guarantees. Some policies also pay dividends, which are not guaranteed.
Can I borrow against my policy?
Yes, once there's cash value. Policy loans charge interest, and any unpaid loan is subtracted from the death benefit.
Do I need a medical exam?
Many whole life plans don't require one. Most ask a few health questions instead, and larger amounts may need an exam.
How fast can coverage start?
You can apply by phone during your call, and some insurers give a decision the same day. Coverage starts once the insurer approves the application and receives the first premium.
Are you the insurance company?
No. Eterna is an independent insurance agency. Our licensed agents are appointed with several insurers and help you compare their plans. Your policy is issued by the insurer you choose.
Can you help with my existing policy or a claim?
No. This line is for new coverage only. For an existing policy, a payment, a loan or a claim, please call your insurance company directly. The number is on your policy or your premium notice.
Do I have to buy anything?
No. Your quote is free and there's no obligation. If you decide to apply, your agent walks you through the application by phone.
About Eterna
On your side, not the insurer's.
Independent
We compare several insurers, not just one.
Licensed agents
Licensed agents walk you through every option.
No obligation
Your quote is free. You decide if and when to apply.
Next step
Ready for your quote?
A licensed agent can compare plans from several insurers in one call. No cost, no obligation.