You can find the latest Whole Life Dividend Analysis here.

Whole life dividends are commonly reviewed and compared among companies. For the most part, all we see are current year rates compared. On the rate occasion, someone might bring up the average dividend interest rate among carriers over a certain time period—most often 20, because the people in marketing vaguely remember something about sufficient sample sizes from the one elementary stats class they took in college, problem is they’ve misapplied the rule.

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Don’t fall for the marketing hype of a life insurance company being great because their ratings are “Superior”.  In the grand scheme of things, this really isn’t the most important aspect of what you should consider when purchasing of a life insurance contract.  Not that it should be completely discounted, but I wouldn't make it a consideration of the highest order, maybe second or third.

Realistically you should be much more concerned with the actual performance of an individual policy from the company vs. the platitudes about financial strength and stability that a company touts in their marketing material.  Because here's the truth, almost all of these companies (not all though so watch out) have stellar balance sheets–that sort of comes with the territory.

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Impaired risk life insurance is a trickier realm of the life insurance industry. It involves securing life insurance for people who have health impairments or whom have had health events in their life, which place them at a greater likelihood of a shorter life expectancy, and make insuring their lives riskier for life insurers.

The difference between an approved life insurance application and a declined life insurance application can be incredibly and surprisingly minor. However, a decline from one company, can greatly increase the odds of a decline with another, so it pays to do a lot of work upfront and meticulously pick out the appropriate insurer for an individual.

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