Tomasz Alemany
Founder, Top Whole Life
Tomasz Alemany is a licensed life insurance professional and founder of Top Whole Life. Since 2011 he has helped consumers compare participating whole life carriers, dividend performance, and cash value policy design. He focuses on unbiased comparisons across 50+ carriers so buyers can make informed permanent insurance decisions.
Credentials
- 215 Life and Health Insurance License
- Former financial advisor (since 2011)
- Series 6, 63, and 65 licensed
- Former Corporate Registered Investment Advisor
Articles by Tomasz Alemany
Automatic Premium Loan Whole Life Insurance: What It Does, When It Starts, and When to Turn It Off
Learn how automatic premium loan works on a whole life policy, when it triggers after a missed premium, and when it deserves a closer review.
July 30, 2026Reduced Paid-Up vs Extended Term Whole Life: Which Nonforfeiture Option Fits Your Goal?
Compare reduced paid-up vs extended term whole life so you can see which option preserves lifetime coverage, full face amount, or future flexibility.
July 20, 2026Modified Endowment Contract Whole Life Guide: 7-Pay Rules, Tax Risk, and the 60-Day Return Rule
Learn how a modified endowment contract changes whole life policy loans, withdrawals, 7-pay testing, and returned-premium correction rules before you overfund.
July 17, 2026Using a Cash Value Life Insurance Calculator: Simplifying Policy Analysis
A cash value life insurance calculator helps you compare premiums, death benefit, and cash value growth across whole life policy options. Use the calculator above to run your own numbers by age, gender, and coverage.
February 9, 2024Is AARP Life Insurance Worth It? Assessing the Value and Benefits
Is AARP life insurance worth it for seniors? Compare premiums, coverage caps, no-exam options, and pros and cons — plus link to our full 2026 review.
June 1, 2023$100 Million Life Insurance for High-Net-Worth Families (2026)
When does a $100 million life insurance policy make sense for UHNW families? Estate liquidity, ILIT ownership, premium financing, jumbo underwriting, and how it differs from $100k or $1M coverage.
April 1, 2023Retirement Planning With Whole Life Cash Value (2026)
How whole life cash value, policy loans, and infinite banking ideas can support retirement income — without treating “million dollar policy” as the product. Strategies, risks, and when to get a quote.
April 1, 2023AARP Life Insurance Review (2026)
AARP life insurance from New York Life for members 50+. Compare term, whole life, and guaranteed acceptance options, rates, and pros and cons — 2026 review.
October 15, 2021Whole Life Insurance Cost Calculator (2026)
Compare whole life insurance costs from A+ rated carriers in about 60 seconds. Free quote tool by age, gender, coverage, and state — plus sample premium charts.
September 15, 2021Colonial Penn Life Insurance Rate Chart (2026)
Colonial Penn charges $9.95 per unit per month. See estimated coverage by age and gender, how units work, and sample monthly costs — updated June 2026.
February 20, 2019Top 7 Whole Life Insurance Companies for Cash Value in 2026
Seven mutual carriers ranked for whole life cash value in 2026. Compare dividends, product design, and cash access — updated June 2026.
August 15, 2017Whole Life Insurance in Your 30s — Lock In Rates Early (2026)
Why buying whole life (or convertible term) in your 30s locks in health-class pricing early — cash value, family protection, and how it differs from a general “life insurance for young professionals” overview.
August 15, 2016Whole Life Insurance Quotes Online (2026)
Get whole life insurance quotes online from A+ rated carriers in about 60 seconds. Real whole life rates — not term bait — side by side.
September 15, 2015$1M vs $3M Life Insurance — Which Coverage Amount Fits?
Decide between $1 million and $3 million of life insurance coverage — income replacement, debts, estate needs, and when a blend makes more sense than all permanent coverage.
Compare Whole Life Insurance Quotes (2026)
Compare whole life insurance quotes side by side from A+ rated mutual carriers. Free tool — see premiums, cash value, and carrier ratings in ~60 seconds.
Factors that Determine the Cost of a $1 Million Whole Life Insurance Policy
Underwriting, age, gender, lifestyle, and policy design determine $1 million whole life cost. For monthly premium tables and quotes, use our primary $1M guide.
How to Use a Whole Life Insurance Rate Chart to Determine Your Premiums
Learn how to read a whole life insurance rate chart — with sample monthly premiums by age for $250,000 and $500,000 coverage — then get a personalized quote.
Understanding the Cost of a $1 Million Dollar Whole Life Insurance Policy
How much does a $1 million whole life insurance policy cost? See 2026 sample monthly premiums by age and gender, then get a personalized quote.
Whole Life Insurance Dividend Rate History [2026 Update]
2026 dividend rates for MassMutual, NY Life, Guardian, Penn Mutual, NWM & Foresters. Year-by-year tables, averages, and carrier history.