Use This One Simple Key to Unlock at Least 50% More Cash Value in Your Whole Life Policy

From the Desk of Brantley Whitley

Bonaire, GA 

January 28, 2020

There’s no better feeling than figuring out how to tweak a whole life insurance policy to squeeze out more cash value than is expected…

It feels like you’ve tapped into a superpower - bending this old stodgy, boring and conservative insurance policy to your will. 

Your new power is deceptively simple but if used correctly:

  • Will create immediate cash value that can be tapped for any reason at all

  • Will dramatically grow the policy's death benefit over time at a much lower cost

  • Will build a cash compounding machine that grows into a dividend snowball

  • Will allow you build cash value over time in the most efficient way possible in a whole life policy

As an agent, what’s better than making it give you more juice than most people think is possible?

As a policy owner, what's better than building more cash (that's income and capital gains tax-free) faster?

It gives you confidence that there might be real value to whole life insurance despite what all the detractors say.

And it validates the reasons that you or someone you’re working with might commit to using whole life insurance as a core holding in a comprehensive financial plan.

It’s almost like you know a secret.

Fortunately, it’s not really a secret. It’s knowing how to use a Paid-Up Additions Rider.

For a lot of agents and people who buy whole life insurance, understanding how to apply the right tweaks of the PUA rider remains elusive…

When Your Policy Works Against You

Instead of For You

Whole life insurance is a safe place to save money, retain liquidity and control. But for so many people, that’s overshadowed by the pain of low cash values in relation to the premiums they pay.

There's a very poor return on cash.

This is especially true in the early years of a policy. If you've ever seen what we call a "plain old whole life policy" that doesn't use the paid-up additions rider, you know what I'm talking about.

In a policy with little to no premium  being paid toward paid-up additions, you see cash values at or near ZERO in the first couple of years.

That's no good and leaves you and your clients dismayed.

When your policy doesn’t produce the return on cash
that you wanted, your enthusiasm for whole life insurance fades. And when that happens, you question every premium payment.

If you're an agent, that means you get to sell the same policy every year at the policy anniversary.

Instead of feeling brilliant for making such a smart move, you have experiences like this…


You your first annual policy statement and realize that you have less than 10% of what you paid in premiums as your current cash value.

  • You see other people online talking about how happy they are with their whole life and how they access the cash over and over to fund other investments

. It leaves you confused thinking..."How's that possible, I've got no cash value?"

  • You realize that literally every whole life policy worth buying has their own language about the PUA rider. What’s worse is that it’s completely proprietary in every situation. No two are the same with the terminology nor the functionality.

  • You discover there’s a big difference between using the dividend option to purchase PUAs and a bona fide Paid Up Additions rider.

  • Your policy or one that you sold only has a level PUA rider and what you really need is a flexible PUA rider. Did you know there are two different kinds?

  • You thought that PUA riders were all the same only to learn that the devil really is in the details.

If you relate to any of that, you’re not alone. 

Nearly every agent or policy owner we’ve met has been there at some point. (especially if you’re an independent agent)

And most of them have no idea how how to evaluate and apply the right PUA rider on whatever whole life policy they own or sell.

Here’s the bottom line…

If you think that using whole life insurance to accumulate cash is a great idea, you have to understand how paid up additions work . You gotta know how to squeeze as much return-on-cash as possible out of a policy.

That's what your clients want.

But Not All Paid Up Additions

Are Created Equal

While PUA riders have more in common than they have different, there are a few sharp contrasts that matter.

In fact…there are at least four questions you should ask before recommending or buying a whole life insurance policy with a paid up additions rider:

  • What are the maximum payments for the PUA rider of the policy you own or are considering?


Does your policy have a lifetime maximum for the PUA rider? Most do…what’s yours?

  • What sort of payment flexibility does your paid up additions rider offer? Can you adjust payments up and down as desired?

  • Do you know what the load fees are for your PUA rider? And is there a difference in the load for paying at different times throughout the policy year?

If you’ve asked these questions already and gotten your answers…good.

That means you’ve figured out that you can’t take it on blind faith that just having access to a PUA rider is enough.

If your goal is to accelerate the cash value growth of your policy or your client’s policy, the details will make the difference in a good outcome versus a “meh” outcome.

A policy that’s designed to grow cash value quickly and steadily needs the right control and flexibility in the PUA rider.

You can learn more buy grabbing the Ultimate Guide to Paid Up Additions right now for only $49

That's a bargain for 33 lessons teaching all the ins and outs of how and why you should use the PUA rider.  

Get it by clicking right here or the button below.

How Can the Ultimate Guide

to Paid Up Additions Help You?

You can use this course to build a competent understanding of the PUA riders offered by the top issuers of whole life insurance.

After going through the course, you’ll be part of the 1% of professional life insurance agents that know the pros and cons of the paid-up additions riders of the most popular whole life insurance product on the market today.

Of course, it’s important to know how PUA riders function across different companies, particularly when you’re evaluating a policy for yourself or your clients. When you have the details of each, you can be certain that you’re making the best decision.

Plus, the Ultimate Guide to Paid-Up Additions includes all-new video-lessons recorded by the Dean of Life Insurance, Brandon Roberts.

Here are a few of the video lessons you’ll get as part of the ALL-NEW Ultimate Guide to Paid-Up Additions:

  • How to adjust the PUA rider, whether it’s flexible or level, it’s possible to fine-tune both

  • How to “juice” the cash value by replacing some of the premium with PUAs

  • How the PUA rider can be used to accelerate a natural offset with faster growth in cash and a dividend that increases more quickly

  • How you can use the PUA dividend option as an alternative to taking dividends as cash and maximize the benefit to the policyholder at the same time

I hope you’re starting to see that PUA riders can help you get more out of whole life insurance.

If you are you should grab the course right now.

The PUA Rider Is the
Small Hinge That Swings 
The Big Door

There’s a big difference between selling a whole life policy and providing a cash-building asset that happens to be whole life insurance.

The distinction is subtle.

But we can assure you, the difference in the outcome to you and to your clients is anything but subtle. It’s the difference between being a hero or a zero.

Every time we’ve met a person who’s unhappy with the outcome of their whole life policy, we see a policy design and setup that ignored the PUA rider. 

Either it wasn’t used at all or it was used incorrectly.

While whole life products have most of the same pieces and parts, they have critical differences. This guide will help you understand and identify the small hinge that swings the big door.

Paid-up additions are the small hinge of a whole life insurance policy.

To grab the Ultimate Guide to Paid-Up Additions, click here right now.

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