Is Whole Life Insurance Back?
Published on
November 12, 2020
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Is Whole Life Insurance Back?
Whole Life is still the most popular permanent cash value insurance product on the market, partly because it is sold by legions of career agents working for mutual carriers. But whole life continues to offer several advantages to advisors selling through brokerage affiliations. Most important of those being safety, predictability, guarantees and more flexibility than you might realize. We offer several of the top rated, best-performing, and well known whole life carriers.
In a volatile market where clients are looking for stability, participating whole life actually offers TWO guarantees in one product plus many other benefits:
- Guaranteed death benefit for life.
- Guaranteed cash value – cash value guaranteed to endow at maturity. (With dividends likely much sooner.)
- Strong dividend history – dividends are not guaranteed but none of our carriers have missed a dividend payment in their history, some going back 100, even 150 years.
- Cash value growth is tax deferred and can be accessed tax-free.
- Riders such as waiver of premium, paid up additions and term blends make this a very flexible product.
For more information or quote requests, please contact your brokerage manager.
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We thank you again for your business.
For more information or insurance quote requests, please contact
your brokerage manager or give us a call at (800) 473-5966
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For agent use only - not for use with the general public.
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Corporate CA License No. 0D87913
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21820 Burbank Blvd., Suite 301
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GBS Insurance and Financial Services, Inc. do not provide investment, tax, or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.
These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.
This guide is provided to you for information purposes only and should not be relied upon as legal or tax advice. Consult a tax advisor regarding specific circumstances. Please note that Premier Brokerage Services, A Gallagher Company, and its licensed representatives do not provide legal or tax advice. Consult an attorney or tax advisor.
© 2020 Arthur J. Gallagher & Co.
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