Why Is Whole Life Insurance More Expensive? 
Whole life polices run for your whole life . Now this may not be exactly correct as there really is a cut off which varies by company . Say up to 120 years old . However this is much different then term polices that are for a specific term which could be 10-30 years and then run out . After the term is run out you have tore-qualifyshould you wish to continue with lifeinsuranceThe advantage of whole life or universal life is that you qualify at the age you sign up and the rate for the most part never changes . So in the end whole life can actually be less if you keep the policy for the long run . Also some polices have a cash value . All these details need to be gone over with an agent to determine what your actual need is . 