Three Important Considerations When Buying a Whole Life Policy

Three Considerations When Buying A Whole Life Policy

Whole Life Like You’ve Never Seen It Before.

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High cash value whole life insurance is the foundation for any financial plan. Whole life is a tool for financial abundance that is working financial miracles for families and small business owners every day.

Whole Life

Choose the Right Insurance Company.

The first consideration is the company that stands behind your policy. We’ve made it easy and have done the research for you. We have narrowed down to the three top companies in the whole life industry. We chose these three mutual companies because their whole life product designs are very competitive, but more importantly, each of these three companies has delivered consistent proof of financial performance over many decades.

Our Top Three Mutual Companies

Mass is #1 in the industry for a reason. A well thought out, competitive whole life product line, great customer service, and 160+ years consistently paying a dividend.

Penn Mutual is the OG of whole life insurance, paying a dividend each year since their founding in 1847. Competitive policy designs, and conservative financial management - Penn is an insurance company we can highly recommend.

Guardian Life (a mutual company) leads the industry in policy flexibility and options. If you like fingertip control of your policy details and decisions, let us show you what Guardian can do.

Choose the Right Policy. 2

This is a Critical Step.

Each insurance company offers multiple policies, each designed for different situations.

Before we show you any policies, we want to get to know you first - your family situation, your business goals, your financial vision for the future. We ask a lot of questions, because your answers are what will guide us to selecting the right policies with the features and options that will best fit your needs. Every design we do is custom.

Choose the Right Agent.

Insurance agents and financial advisors often sell multiple products. They don't understand the ins and outs, and the specific tradeoffs of whole life policy design. Work with a professional, an expert who only deals with cash value whole life policies and understands the nuances of whole life policy design.

Most agents mean well, but they sell so many different products, they simply don’t have a high enough level of expertise to design a high cash value whole life policy in your best interests.

Our agents live, sleep and dream about whole life!

Rely On Our Experience…

The right company

The right policy

The right agency

Your policy is an important part of your financial future.

Whether you’re using the policy as a business financial tool, or to leave a legacy to the next generation – we'll make sure you get it just right – tailored to what you need and what you want.