Where To Buy Whole Life Insurance? 
First off , excellent question . Whole Life Insurance is backed by the full faith and credit of the Carrier offering it . In many cases , Whole Life is sold by career insurance agents and they are `` captive '' to their carrier . That means that the agent does n't have a choice of carriers that might be offered . But there are ways for `` independent '' established agents who can offer multiple carriers and probably the best AGENT that can sell it to you . Once you decide on a agent who will be your advocate , like a real estate agent , they would work on your behalf and show you your options . The top Whole Life Carriers are as follows and in no particular order : Northwestern Mutual , New York Life , Mass Mutual , Guardian , Ohio National , Penn Mutual and MetLife . When comparing these carrier 's products , make sure that you understand how they credit their earnings -LRB- i.e. dividends -RRB- as you become an owner of the company with these policies and their performance is directly correlated with the health and well being of the carrier itself . And do n't just look at the current rate , or listen to an agent 's promise of how it will perform , because this life insurance will be with you for your WHOLE LIFE . It is a long term commitment that will protect your family , provide access to cash when you need it , and even can provide Long Term Care protection that is paid out of the policy while you are alive . 