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Life Insurance FAQs
What is the difference between Whole Life and Term Life?
Any form of life insurance provides beneficiaries with an ongoing source of income in the event of the breadwinners passing. Highlighted below are the differences between Whole Life Policies and Term Life Policies.
Whole Life Insurance
Lifetime Coverage
Premium amount is set for the lifetime of the insured
Many policies generate a cash value which can be utilized during the lifetime of the insured
Can't be amended if your coverage needs change
Term Life Insurance
Preset coverage period, typically 10, 15, 20 or 30 years
Premium amount is guaranteed for the policy term selected
Cash values are not available
When your coverage needs adjust, your coverage amount or term length can too.
Whole Life Insurance
Term Life Insurance
Coverage Period
Lifetime Coverage
Preset coverage period, typically 10, 15, 20 or 30 years
Premiums
Premium amount is set for the lifetime of the insured
Premium amount is guaranteed for the policy term selected
Cash Value
Many policies generate a cash value which can be utilized during the lifetime of the insured
Cash values are not available
Flexibility
Can't be amended if your coverage needs change
When your coverage needs adjust, your coverage amount or term length can too.
What is Term Life Insurance?
Term life insurance is the most affordable way to protect your family's financial security if something happens to you. It replaces your income and helps ensure that the ones who depend on you can support themselves in your absence.
Term Life insurance provides coverage for a specific period of time. Because you only pay for the coverage for as long as you need it, term insurance is considered more affordable than whole life insurance.
Who can buy Term Life Insurance?
Most people between the ages of 18 and 80 can purchase term life insurance. It's possible for cancer survivors, diabetics and individuals who take medications for cholesterol, blood pressure and other conditions to obtain coverage.
How does Term Life Insurance work?
Term life insurance is the most affordable way to protect your family's financial security if something happens to you. It replaces your income and helps ensure that the ones who depend on you can support themselves in your absence.
Term Life insurance provides coverage for a specific period of time. Because you only pay for the coverage for as long as you need it, term insurance is considered more affordable than whole life insurance.
Why are so many online quotes inaccurate?
Most people between the ages of 18 and 80 can purchase term life insurance. It's possible for cancer survivors, diabetics and individuals who take medications for cholesterol, blood pressure and other conditions to obtain coverage.
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© 2025 Turner Insurance. All Rights Reserved.
📍 389 Palm Coast Pkwy SW, Suite 3-R, Palm Coast, FL 32137
© 2025 Turner Insurance. All Rights Reserved.
Privacy Policy. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at
http://www.medicare.gov
We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov