Whole Life Insurance

Whole Life Insurance

No love like that of a mother and daughter.

Whole Life Insurance may be appropriate for those with long-range insurance and financial goals. Whole Life insurance offers level premiums and an accumulation of cash value. In addition to providing life insurance coverage for as long as you live, the guaranteed cash values* can provide money, when you need it, to help with temporary needs or emergencies.


Features of  Whole Life Insurance

  • Level premiums – premiums stay level for the life of the policy.
  • Payable for life – provides life insurance coverage for as long as the policy remains in force.
  • Pays dividends* – when we have profitable years, we share the profits with you.
  • Guaranteed cash value** – you may borrow against your policy at the current loan rate. Upon surrender, the cash value would be available to you.
  • Cash value growth is tax deferred – The growth in cash values is tax- deferred under current federal income tax law.
  • Death benefit – life insurance proceeds are generally income tax free to the beneficiary.


Do you want Whole Life Insurance Without A Physical Exam?

Keystar Insurance sells Whole Life Insurance policies at a very affordable rate without the need for a physical exam or lengthy examination.


No medical exam required, just a few simple questions.

Pre-existing conditions are accepted.

Lower premiums.

Policies are issued the same day.


Who are these policies geared towards?

Let’s face it, when you are young you want to live life with the volume all the way up! Living life to the fullest is the only way to live if you ask me, and we know our young clients love to take life buy the horns doing several things like:

  • Motorcycling cross country.
  • Kayaking.
  • Backpacking through Europe.
  • Hiking in Nepal.

Often, it’s difficult for younger clients to afford life insurance policies that are worth several hundred thousand dollars. Also, these clients often don’t have any dependents (such a a spouse or children) but they would like a small policy just in case the unthinkable happened, and they wouldn’t want that burden to be passed to their parents or siblings. That’s where this kind of policy fits in! Low monthly cost, with the option to have the policy paid in full for life! You heard me right, have a life insurance policy paid in full in 20 years! Call Keystar Insurance today for more details!


*Dividends are not guaranteed

**The amount of your guaranteed cash value depends on the kind of permanent (whole) life policy you owned, its size and how long you have owned it. Borrowed amounts reduce the death benefit and cash surrender value.