Disclosures

Licensing

Login Whitlock, National Producer Number 22156242, is a licensed life insurance producer in Utah, Virginia, South Dakota, South Carolina, Ohio, Michigan. We do not solicit or transact insurance in states where we are not licensed.

Agency relationship

Whitlock Life Agency is an independent insurance agency operating under Family First Life. Coverage is issued by the insurance carrier, not by this agency.

Whitlock Life Agency is not affiliated with or endorsed by any government agency. We are not affiliated with Medicare, Social Security, the Department of Veterans Affairs, or your mortgage lender.

Compensation

You pay no fee to this agency for quotes, applications, or service. When a policy is issued, the insurance carrier pays a commission. Commission amounts differ by carrier and product, which is why we tell you the trade-offs of each option rather than presenting a single recommendation as the only choice.

No guarantee of coverage or price

All coverage is subject to carrier underwriting approval. Rates, availability, and policy features vary by state, age, health, and carrier. Nothing on this site is an offer of insurance or a guarantee of coverage or price.

Indexed universal life

Indexed universal life values are not guaranteed. Index credits are subject to caps, participation rates, and floors that the carrier may change. Illustrated values are hypothetical, are not a projection of future results, and policy performance may be lower — including outcomes where additional premium is required to keep the policy in force.

Whole life dividends

Dividends on participating whole life policies are not guaranteed. They are declared at the carrier's discretion, and past dividend performance does not predict future results.

Final expense waiting periods

Graded and guaranteed-issue final expense policies typically limit the death benefit during an initial period, often two to three years, other than for accidental death. Terms vary by carrier and state.

Policy loans and withdrawals

Loans and withdrawals reduce the death benefit and cash value, accrue interest, may be taxable, and can cause a policy to lapse if not managed.

Educational content

The tools and content on this site are educational only. They are not financial, tax, or legal advice and do not constitute a recommendation of any specific policy.

Carrier and rating claims

Any carrier financial-strength ratings mentioned during your consultation are issued by independent rating agencies, apply to the carrier and not to this agency, and can change. We do not publish carrier lists or ratings on this site.

Reviews

We publish client reviews only with written permission from the client. We do not use stock, purchased, or invented testimonials.