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
Whole Life Surrender Charges Explained: Why Early Exit Costs More Than Buyers Expect
Learn where whole life surrender charges appear, how cash surrender value differs from cash value, and which tax and replacement questions to review first.
September 5, 20261035 Exchange Into Whole Life Insurance: A Consumer Checklist Before You Replace an Existing Policy
Learn how a 1035 exchange into whole life works, what tax-free really means, and which replacement, loan, and surrender-value questions to answer first.
August 29, 2026Whole Life Insurance Loan Repayment: When To Pay It Back, What Changes If You Wait, and How To Avoid a Lapse Surprise
Learn how whole life insurance loan repayment works, how interest compounds, when partial payments help, and what can happen if a policy loan is left alone too long.
August 21, 2026How to Read a Whole Life Insurance Annual Statement Without Missing the Red Flags
Use this guide to read a whole life insurance annual statement, check cash value, loans, and dividends, and know when to request an in-force illustration.
August 11, 2026Automatic 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, 2023Penn Mutual Whole Life Insurance Review (2026)
January 15, 2022AARP 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, 2021MassMutual Whole Life Insurance Review (2026)
December 15, 2019Banner Life Insurance Review (2026)
2026 Banner Life review: Legal & General America term specialist (William Penn in New York) — cheap term, not participating cash-value whole life.
December 15, 2019Ameritas Whole Life Insurance Review (2026)
2026 Ameritas whole life review: AM Best A, affordable Value Plus vs Growth designs, and why it is rarely the cash-value winner versus MassMutual.
August 28, 2019AIG Whole Life Insurance Review (2026)
2026 AIG / American General / Corebridge review: guaranteed-issue and UL shelf, not a participating cash-value mutual.
June 15, 2019ACE Insurance Review (2026)
April 15, 2019Advance Insurance of Kansas Review (2026)
April 15, 2019Aetna Whole Life Insurance Review (2026)
April 15, 20194 Ever Life Insurance Review (2026)
2026 4 Ever Life review: BCS Financial / Blue Cross licensee, worksite and underwriting solutions — not a participating cash-value whole life we illustrate.
March 15, 20195Star Life Insurance Company Review (2026)
March 15, 2019AAA Life Insurance Review (2026)
March 15, 2019Accordia Life Insurance Review (2026)
2026 Accordia / Global Atlantic review: KKR-owned in-force and IUL/annuity franchise, not a new participating whole life we illustrate.
March 15, 2019Guardian Whole Life Insurance Review (2026)
2026 Guardian whole life review: A++ strength, 6.25% dividend interest rate, $1.7 billion payout, limited-pay and EstateGuard designs, and who should compare MassMutual first.
March 15, 2019Paid-Up Additions in Whole Life | Top Whole Life
March 15, 2019Colonial 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, 2019Colonial Penn Whole Life Insurance Review (2026)
February 15, 2019Participating Whole Life Insurance | Top Whole Life
February 15, 2019Nationwide Whole Life Insurance Review [2026]
January 15, 2019Gerber Whole Life Insurance Review (2026)
Gerber Life is a strong brand with small, expensive policies. This 2026 review covers the Grow-Up Plan, College Plan, adult whole life, guaranteed issue, and when a participating policy is the better job.
November 15, 2018Whole Life Insurance as an Investment [Better Returns Than The Bank?]
Why in the world would anyone use whole life insurance as an investment?
November 15, 2018High Early Cash Value [Get The Highest Cash Value Whole Life In 2025]
May 15, 2018Foresters Whole Life Insurance Review (2026)
2026 Foresters whole life review: A (Excellent) fraternal, living-benefit riders, non-medical options, and why cash-value rank is not the reason to buy.
December 15, 2017USAA Whole Life Insurance Review [Not Your Best Whole Life]
September 15, 2017Minnesota Life Whole Life Insurance Review (2026)
2026 Minnesota Life / Securian review: strong group and IUL franchise, A+ paper — not our first participating cash-value whole life.
August 15, 2017Top 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, 2017Ohio National Whole Life Insurance Review [Demutualized — 2026 Update]
June 15, 2017Whole Life Insurance for Kids (2026)
Insure the parent first. Then choose: nothing, a child rider, participating kids whole life, or a small Grow-Up-style policy. This 2026 guide is the category hub — not a Gerber sales page.
April 15, 2017American Income Life Whole Life Insurance Review (2026)
February 15, 2017Coverpath by MassMutual Review (2026)
2026 Coverpath review: MassMutual’s old online apply path. The public URL now redirects to a login dashboard — use an independent illustration.
January 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, 2016Prudential Whole Life Insurance Review (2026)
2026 Prudential whole life review: large stock company, brand and term/UL shelf — not our first participating cash-value illustration.
May 15, 2016Northwestern Mutual Whole Life Insurance Review (2026)
Independent 2026 Northwestern Mutual whole life review — A++ strength, $9.2 billion dividend payout, 5.75% DIR, and why brand scale is not the same as cash-value rank.
April 15, 201617 Questions to Ask Before Buying Whole Life Insurance [Tips From The Experts]
If you find yourself in the market for whole life insurance, there are a few strategies for moving forward.
March 15, 2016Whole Life Insurance and Estate Planning | Top whole Life
Let's face it: there aren't too many people who look forward to creating an estate plan. There are many reasons for this, including the fact that you have to think about leaving your loved ones behind…
December 15, 2015$500,000 Whole Life Insurance Policy - Top Whole Life
September 15, 2015Best Whole Life Insurance of 2026 [Cash Value & Prices]
When looking for the "best whole life insurance," you probably have many things in mind. Just like any other purchase, you probably want the best in many areas.
September 15, 2015Whole 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.
AAA Whole Life Insurance Rates (2026)
Aetna Whole Life: What to Know (2026)
Allstate Whole Life Insurance Review (2026)
American National Insurance Review (2026)
2026 American National review: Brookfield-owned (no longer the old public ANAT story), multi-line insurer, not a top participating whole-life illustration.
Cash Value Life Insurance: 7 Pros and Cons You Need to Know
When considering life insurance options, many individuals encounter the term cash value life insurance. This type of policy, which includes whole life and universal life insurance, offers both a death…
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 Maximize Whole Life Cash Value
Once you own participating whole life, cash value grows from premium design — paid-up additions, overfunding without a MEC, dividend options, and how you treat policy loans.
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.
Illinois Mutual Whole Life Insurance Review (2026)
Is Whole Life a Good Investment? 7 Lies Debunked
Lafayette Life Whole Life Insurance Review (2026)
Liberty Mutual Life Insurance Review (2026)
MetLife Whole Life Insurance Review (2026)
2026 MetLife whole life review: MetLife exited U.S. retail life in 2017. In-force policies may sit at Brighthouse. New participating whole life is a mutual quote, not a MetLife application.
MetLife Whole Life: What to Know (2026)
What an in-force MetLife whole life policy still does in 2026 — death benefit, cash value, dividends — and why new buyers should use the main MetLife review, not a new MetLife application.
Mutual of Omaha Whole Life Insurance Review (2026)
New York Life Whole Life Insurance Review (2026)
OneAmerica Whole Life Insurance Review (2026)
Protective Life Insurance Review (2026)
2026 Protective Life review: Dai-ichi–owned Birmingham term specialist — cheap term, not participating cash-value whole life.
Sagicor Whole Life Insurance Review (2026)
SBLI Whole Life Insurance Review (2026)
State Farm Whole Life Insurance Review (2026)
The Essential Guide to Whole Life Insurance Cash Value
Whole life insurance is more than just a policy that provides a death benefit to your beneficiaries; it is a financial tool that can help you build wealth over time. One of the most significant featur…
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.
What is Whole Life Insurance? [A Quick & Simple Guide]
Which Policy Type Builds Cash Value
Cash value depends on the chassis first: participating whole life vs IUL vs GUL vs term. Pick the policy type, then fund it.
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.
Whole Life vs Indexed Universal Life (IUL) | Top Whole Life
Compare whole life and indexed universal life with 2026 assumptions — dividend interest rates, IUL caps and floors, AG 49-B illustration limits — and run an index crediting calculator against real S&P 500 years.