What is Whole Life Insurance? 

Whole life insurance is a type of permanent insurance, which means you have it your entire life unlike term insurance. However, this type of insurance is much more expensive so many families choose the more affordable term, but for some families the benefits outweigh the costs. 

Why buy Whole Life insurance?

​The benefits;

  • Permanent Coverage - Lasts your entire life.

  • Cash Value - Accumulates a cash value on a tax-free basis that can be borrowed against. 

  • Premiums are locked  - Premiums cannot increase. 

  • Guaranteed Death Benefits - The death benefit won't change.

  • Dividends - Most insurers pay dividends as the cash value increases.


Strategies for

  • Build tax-free wealth

  • Create an inheritance that can pay for estate taxes so a business or real estate asset won't need to be sold.

  • Guarantee that a special needs child or aging parent will be taken care of.

Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC), member FINRASIPC,a broker/dealer and a registered investment adviser. Cetera is under separate ownership from any other named entity. CA Insurance License# 0I59024.


Asset allocation, which is driven by complex mathematical models, cannot eliminate the risk of fluctuating prices and uncertain returns.  All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful. A diversified portfolio does not assure a profit or protect against loss in a declining market.

This site is published for residents of the United States only. Registered representatives of Cetera Advisor Networks may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information, please contact the representative(s) listed on the site or visit the Cetera Advisor Networks site at www.ceteraadvisornetworks.com.

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Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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225 Avenue I, Suite 201

Redondo Beach, CA 90277

Contact: (310) 792-2424

Email: John@APSadvisor.com

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