Why Would You Buy
Whole Life Insurance?
Is Non-Direct Recognition Always Better Than
In our new Report, "Whole Life Insurance Dividend Recognition" we reveal...
Is Whole Life Insurance Worth It?
We commit 99% of our energy to help our clients maximize the cash value accumulation of whole life insurance. Over the last 8 years, we've helped hundreds of clients get the whole life policies they wanted. But, at least a few times a month someone asks us, "is whole life insurance worth it? "
Frequently Asked Questions
Why Life Insurance? Couldn't I Do Better?
Probably, anything is possible. But no savings vehicle has been able to rival the risk adjusted rate of return offered by permanent participating cash value life insurance. It's an extremely stable financial product that has been tested for well over a century. On top of that, other savings vehicles do not have the leverage-able power of policy loans and continued dividend payment.
What's the “Best” Policy to Use?
This depends on a few things, mostly intended use. We don't believe in endorsing any one product or any one company. Though we'll gladly admit that there are several that tend to be true winners. If you're really interested contact us
How Can I Use Whole Life Insurance to Finance Real Estate or My Business?
When you have grown the cash value of your policy you are able to access that cash at whenever you choose. Typically, you will use a policy loan to that. Many of our clients use their whole life policies as a tax-efficient place to warehouse cash. When opportunities come along to pick up under-valued real estate or to make an investment in their business, tapping the cash value in their policy is as simple as picking up the phone. And since they're not actually removing the cash from the policy, just taking a loan against the cash value, their cash continues to earn interest and receive policy dividends. Easy access to cash and the ability to earn on loaned money is truly a win-win.