Whole Life Insurance as an Asset Class
There is no other financial product that can build wealth in good markets and bad markets, protect and conserve assets, and provide tax advantaged transfer to family or charities.
Participating whole life insurance is one the oldest and most traditional life insurance products. Some of the companies that issue these policies have been in business since the 1800s and we are proud to conduct business with them.
The benefits of choosing a participating whole life insurance policy is that the policies have a savings component, potential to receive dividends, and offer life long protection.
We believe that your life insurance protection should be long term focused on the death benefit and should be non-correlated with the financial markets. The bedrock of your family’s or business financial security should not be in jeopardy due to volatile swings in the investment markets. We are able to structure whole life insurance policies in a number of ways to achieve our clients’ desires. We have experience with:
10-Pay– Premiums are paid over a 10-year time period after which the policy is considered “paid up”. Dividend flexibility
20-Pay– Premiums are paid over a 20-year time period after which the policy is considered “paid up”. Dividend flexibility
Paid Up 65– Premiums are paid to the age of 65 after which the policy is considered “paid up”. Dividend flexibility
Paid Up 100– Premiums are paid to the age of 100 after which the policy is considered “paid up” Dividend flexibility