Whole Life Benefits

Whole life is permanent insurance protection that protects you for your whole life, from the day you purchase the policy until you die, as long as you pay the premiums.

Whole life insurance provides basic insurance protection, plus:

The ability help pay off mortgages and other outstanding debts.
Funds to cover estate expenses.
Cash through policy loans or surrenders. (Note: Loans will reduce the death benefit.)
The ability to make a significant donation to your favorite charity upon your death.
Attractive executive and employee benefits, in addition to a means to assure a business's financial future.

Why Ernst, Hienz & Macaluso L.L.C.

We work with a preferred agency that specializes in the design, installation, and administration of employee benefit plans. With clientele that range from sole proprietors to large corporations and municipalities, it is their goal to provide exceptional service and a variety of plans designed to fit your needs. They represent only "A+" rated insurance carriers, managed care companies, and third party administrators.