Whole life insurance
Whole life insurance quotes in one call.
Lifelong coverage with premiums that don't go up and cash value that grows over time. Compare plans from several insurers with a licensed agent.
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.
Cash value
Part of each premium builds cash value you can borrow against. Unpaid loans reduce the death benefit.
Final expense options
Smaller whole life plans for funeral costs, often for ages 50 to 85.
How it works
Your quote in one call.
- Call (949) 807-3995Tell 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.
Do I need a medical exam?
Most of the plans we quote don't require a medical exam. Many ask a few health questions on the application. Guaranteed issue plans ask none.
What is guaranteed issue life insurance?
A guaranteed issue plan accepts you within its eligible ages without health questions or an exam. These plans usually pay a limited benefit, often the premiums paid plus interest, if death from natural causes happens in the first two years. Accidental death is typically covered in full from the start.
How much coverage can I get?
Final expense plans often range from a few thousand dollars to about $50,000. Term and whole life plans can go higher. Your age, health and the insurer decide what's available.
Will my premium go up?
Whole life and final expense premiums are set when the policy starts and don't go up. Term premiums stay level for the term you choose, then rise if you renew.
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.
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.