We’ve discussed whole life dividends a good bit at the insurance pro blog. We’ve also compared a lot of other insurance company stats in the past, and will continue to do so in the future. One such comparison is the effect a changing dividend has on projected income. This is important because it helps us determine who is the safer bet as defined as the company whose product is more reliable in the income projection side.

We live in no delusion about the fact that a policy illustration is merely a tool used to sketch the general function of the policy. It makes no promises regarding actual performance (unless we are looking at the guaranteed column). Still many, us included, use income projections to evaluate policy expenses overtime and dividend policy—remember, we can’t categorically declare non-direct recognition superior to direct recognition we have to look at specific company policy.

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We love paid up additions. That has never been much of a mystery around the Insurance Pro Blog. And we get a lot of questions about paid-up additions. The one questions that by far sticks out the most involves the variation in loads among various carriers. So in the interest of making this somewhat more readily available (though trust us, we’re more than happy to receive your emails so keep them coming), we figured we’d compile a quick reference guide for paid-up additions loads.

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It’s no big secret that we think whole life insurance is pretty awesome. Hopefully, most of you realized we were just being cheeky on our podcast last week when we declared that it sucked (though we don’t think it’s the answer to all the world’s problems).

We often receive questions regarding which company has the best whole life products. After giving this subject careful consideration, the time has come for us to make an official list. You’re very welcome!

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