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Building a Secure Future with dividend paying whole life insurance

Our Specialty:

Maximum Cash Value Accumulation

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Building a Secure Future with dividend paying whole life insurance

Our Specialty:

Maximum Cash Value Accumulation

Find Out More

Why Participating Whole Life for Maximum Cash Value?

Term Life Insurance

Permanent Life Insurance

The NEED for death benefits is specific, until a life event happens, such as retirement, until children are out of school, until the mortgage is paid off, usually purchased in 10, 20, or 30-year policies.

The COST is clear: The policy owner pays a dollar amount for each $1,000 of protection, for a specified number of years.

Permanent Life Insurance

The NEED is expected to last a lifetime, with the death benefit used for liquidity to pay estate taxes, fund a buy/sell agreement, provide for estate equalization, fund special needs trusts, or replace pension income.

The COST is guaranteed, but it may be reduced with dividends.

Maximum Cash Value

Permanent Life Insurance

Maximum Cash Value

The NEED is wealth accumulation and protection, tax-free retirement income, or private banking with arbitrage potential.

The COST is driven down to the lowest possible factor by paying the maximum premium per $1,000 of protection allowed by Internal Revenue Code Section 7702. This design significantly improves a policy's Internal Rate of Return on cash value.

Policy Design Matters

What do you want your life insurance to do?

The policy design for many permanent insurance purchasers is the lowest annual premium for the largest death benefit possible. This design generally does not provide enough Internal Rate of Return on cash value to meet the needs of the Prodigious Accumulator of Wealth, the Lifetime Net Saver, or High Income Professional that suffers from reverse discrimination caused by limits on Individual Retirement Plans and Tax Qualified Retirement Plans like a 401(k), 403(b), or 457(b) plan.

Maximum Cash Value life insurance designs start with a different premise. Essentially, the policy design is the exact opposite of the lowest premium for the highest benefit design. Instead, we design the lowest death benefit that can be purchased while paying as much premium as possible within the limits under the tax law to preserve the tax-advantaged status of the life insurance contract.

This design keeps policy costs low and premiums at a maximum ratio to the insurance required, allowing maximum cash value growth, including cash values in the first policy year. Cash values can exceed premiums paid within the first several years.

What’s the lesson in all of this? Take some time and figure out what you need, and what you want your policy to do. You don’t have to keep an underperforming policy because your friend sold you something that doesn't best fit your needs.

If we can help you learn more about how policy design matters, please contact us.

Participating Whole Life Features

Guaranteed Premiums

Guaranteed Cash Values

Participating Whole Life Insurance has a premium schedule that is guaranteed. Your premiums cannot be increased by the company, but you can use your dividends to reduce your premiums. Limited payment plans are also available.

Guaranteed Cash Values

Participating Whole Life Insurance has a cash value schedule that is guaranteed to grow every year, in every market condition. Guaranteed cash values can be increased even further when your dividends are used to purchase Paid-Up Additional insurance.

Guaranteed benefits

Guaranteed Cash Values

Guaranteed benefits

Participating Whole Life Insurance has a death benefit schedule that is guaranteed to last your entire life as long as your premiums are paid. Death benefits can increase when your dividends are used to purchase Paid-Up Additional insurance.

Dividends

Overloan Protection

Guaranteed benefits

Participating Whole Life Insurance is eligible for annual dividends based on the investment returns of the insurance companies general account, their expense management, and mortality experience. Dividends are not guaranteed.

Indexed Dividends

Overloan Protection

Some Participating Whole Life Insurance policies have an option allowing some or all of annual dividends to participate in the upside growth of an equity index, such as the Standard & Poor's 500 Index. Indexed dividends are not guaranteed.

Overloan Protection

Some Participating Whole Life Insurance policies have a benefit that guarantees the policy will not lapse when used as a source of tax-free retirement income or private banking using policy loans. This prevents unwanted phantom income tax at older ages.

Participating Whole Life Designs

maximum distributions

maximum long-term values

Participating Whole Life Insurance can be designed for maximum retirement income by accessing policy values via loans so that the distributions are tax-free. Some Whole Life policies are specifically designed for this purpose.

maximum long-term values

Participating Whole Life Insurance can be designed to maximize the Internal Rate of Return (IRR) for either death benefits or cash values at very specific points in time in the future. This helps business owners plan for an exit strategy, or fund a benefit plan.

high early cash values

maximum long-term values

high early cash values

Participating Whole Life Insurance can be designed for high early cash values, including high cash values in the first policy year. This aids in the "charge to earnings" issue your CPA will raise, but also benefits the private banking with insurance client.

premium offset

high early cash values

Participating Whole Life Insurance has a guaranteed premium schedule, but those premiums can be offset with policy values. This is a very popular design that has been used by the Prodigious Accumulators of Wealth for many decades.

Pay to 65

premium offset

Pay to 65

Some Participating Whole Life Insurance policies have a premium schedule that is paid up at age 65. This can be especially useful when the policy is designed for maximum distributions, but also when the owner doesn't want to pay to age 100.

pay to 70

premium offset

Pay to 65

Some Participating Whole Life Insurance policies have a premium schedule that is paid up at age 70. This can be especially useful when the policy is designed for maximum distributions for the Lifetime Net Saver that wants to retire later.

single premium

Single Premium Whole Life Insurance can be paid up with one premium. This can be an alternative to other investment projects where the objective is a legacy for the next generation, or used to "rescue" older policies that no longer meet the needs of the client by effecting a 1035 tax-free exchange.

Limited pay

single premium

Limited Pay Whole Life Insurance has a premium schedule that guarantees they are paid up in 5, 10, 15, or 20 years. These can be used for a variety of purposes such as funding for non-qualified benefit plans, wealth transfer, or college funding for the risk averse parent or grandparent.

survivorship

single premium

survivorship

Survivorship Whole Life Insurance policies cover two people and pay a death benefit on the second death. The primary purpose has traditionally been liquidity for estate taxes, but it can be used for wealth replacement, tax-free retirement, or charitable gift funding.

Your Agent

Brent D. Gardner, CLU, ChFC

Brent began his career in life insurance in March of 1991 as a part-time College Agent, and then as a full-time Career Agent with a large mid-western mutual life insurance company. In January of 1997, Brent started Life Solutions, an independent life insurance brokerage agency, taking over a family-built book of business that dates back to 1922, including servicing and delivering claims on participating whole life insurance policies issued in the 1890s.

Find out more

Building a Secure Future with dividend paying whole life insurance

Building a Secure Future with dividend paying whole life insurance

Why Participating Whole Life for Maximum Cash Value?

Term Life Insurance

Permanent Life Insurance

Permanent Life Insurance

Permanent Life Insurance

Permanent Life Insurance

Permanent Life Insurance

Maximum Cash Value

Permanent Life Insurance

Maximum Cash Value

Policy Design Matters

What do you want your life insurance to do?

Participating Whole Life Features

Guaranteed Premiums

Guaranteed Cash Values

Guaranteed Cash Values

Guaranteed Cash Values

Guaranteed Cash Values

Guaranteed Cash Values

Guaranteed benefits

Guaranteed Cash Values

Guaranteed benefits

Dividends

Overloan Protection

Guaranteed benefits

Indexed Dividends

Overloan Protection

Overloan Protection

Overloan Protection

Overloan Protection

Overloan Protection

Participating Whole Life Designs

maximum distributions

maximum long-term values

maximum long-term values

maximum long-term values

maximum long-term values

maximum long-term values

high early cash values

maximum long-term values

high early cash values

premium offset

premium offset

high early cash values

Pay to 65

premium offset

Pay to 65

pay to 70

premium offset

Pay to 65

single premium

single premium

single premium

Limited pay

single premium

single premium

survivorship

single premium

survivorship

Your Agent

Brent D. Gardner, CLU, ChFC

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