Category Archives for "Whole"

Whole Life insurance For Veterans

Veterans’ Group Life Insurance (VGLI) permits Veterans to convert their SGLI to a civilian program of lifetime renewable term coverage not to be confused with whole life insurance, after separation from service. Disabled Veterans are eligible for free coverage and have the opportunity to purchase additional life insurance. Woody’s Insurance is veteran owned and operated. If you are a Veteran we can help.

life insurance for 100% disabled veterans

Service-Disabled Veterans Life Insurance (S-DVI) provides low-cost coverage to eligible veterans. If you have a service-connected disability, find out how to apply for S-DVI online , mail or contact us at Woody’s Insurance 888-252-4440.

life insurance for disabled veterans

You may be eligible for S-DVI if you meet all of the requirements listed below.

All of these must be true. You:

  • Were released from active duty on or after April 25, 1951, and didn’t receive a dishonorable discharge, and
  • Were rated for a service-connected disability (even if only 0%), and
  • Are in good health except for any service-connected conditions, and
  • Apply within 2 years from the date we grant your new service-connected disability

Note: An increase of a rating you had before—or a rating of Individual Unemployability, meaning you can’t work—doesn’t qualify you for S-DVI.


Life Insurance For Veterans Over 60

Veterans can receive between $10,000 to $400,000 of coverage depending on their previous SGLI policy’s coverage level. It’s also possible to increase coverage limits $25,000 every five years—up to $400,000—until reaching age 60

veterans life insurance death benefits

  • The Department of Veterans Affairs (VA) offers life insurance policy options for veterans
  • As a veteran, your life insurance death benefit ranges from $10,000 to $400,000 based on the amount of Servicemembers’ Group Life Insurance (SGLI) coverage you had when you left the military
  • To keep SGLI life insurance after you retire, you must pay premiums, which increase with age
  • You may be able to skip the medical exam when you get Veterans’ Group Life Insurance (VGLI)

Whole Term Life Insurance Calculator

Life insurance is not a one-size-fits-all solution depending on where you are in your life and the types of family relationships you have. Individuals’ needs may differ a lot from other individuals.

Before you seek out a quote using a life insurance calculator can be helpful. Using the free life insurance calculator process at woody’s Insurance gives you more information to help with the insurance purchasing journey. The life insurance calculator gives you a better idea of how much coverage you may need and for how long, so you’re prepared when you talk with a representative for a quote.

Whole Life Cash Value Calculator

Whole life insurance policies provide “guaranteed” cash value accounts that accumulate according to a formula determined the insurance company. Universal life policies accumulate cash value based on current interest rates. … The cash value increases or falls based on how well these subaccounts perform.

Simple Life Insurance Calculator

Life insurance calculators can be very simple to very detailed. We have access to the calculators you may need to individualize your situation. This is how we like to offer our services on a personal and individual basis.

Whole Life Insurance Cash Value Chart

Cash value is the part of your insurance policy that earns interest and can be available to you for withdrawal or borrowed against in case of an emergency. The following types of permanent life insurance policies may include a cash value feature: Whole life insurance. Universal life insurance.


This information is available from the company to aid in your decision.

Whole Life Insurance Quotes Online No Medical Exam

Some people prefer not to have a medical exam because of needles, doctors, or tests. If the thoughts of undergoing a physical examination make you uncomfortable, guaranteed issue whole life insurance provides a way to apply for coverage without taking an exam.

Specific individuals may also prefer to avoid a medical exam because they fear being charged higher life insurance premiums because of their health being turned down. Lot life insurance rates are dictated in part health. Many applicants can face more expensive policies based on medical exam results during the insurance underwriting process. Others may assume they won’t get affordable coverage due to their health and will not even go through with the exam.

Guaranteed issue whole life, a person cannot be denied health issues, and no exam or lab will be necessary. The policy coverage is subject to payment and verification of identity as required law and is effective upon receipt of the policy.

Online Quotes are online at and also a complete application. No sales pressure you decide for yourself. 

Life Insurance No Medical Exam No Waiting Period

Guaranteed whole life insurance has no waiting period means that the full benefits of the policy are available once the first payment has been made. Of course, such a policy maybe even more expensive than one with a waiting period.



Life Insurance Without Medical Exam Or Health Questions

Guaranteed whole life insurance, you cannot be turned down for health reasons, and no medical exam or labs will be required. Coverage is subject to receipt of payment and verification of identity as required law and is effective upon receipt of the policy.


Guaranteed Acceptance Life Insurance No Health Questions

Guaranteed acceptance of no health questions means the same as guaranteed whole life without medical exam or health questions said in a different way at Woody’s insurance. We can answer your questions and clear up any confusion you may have


No Exam Life Insurance Rates

Generally, if you want to get life insurance without a physical, you should plan to pay higher premiums than someone who gets the same level of coverage with a medical exam. That said, you can help keep your costs as low as possible reviewing policies from multiple insurers

No Medical Exam Life Insurance For Seniors

There are other options for whole life, no medical exam plans, so make sure to look at all of the available plans. If you are healthy, you can most times get better rates for seniors.

Each insurance company can have different requirements and limits on its ave policies. Most insurance companies will sell no medical exam plans for anyone until they are in their 70s, while other companies will still sell you a policy until you reach 80 or older.

Due to every insurance company being different, you’ll need to find the best no-exam life insurance based on your specific situation.