4 Major Mutuals
We primarily recommend the 4 Major Mutual companies. They are not recommended by many brokers due to paying low commissions compared to other companies, but they have a track record of producing strong cash value policies for consumers. This is not to state that other companies are “bad,” but we have proof of performance from these 4 Major Mutuals while others have not disclosed any historical performance to us.
2022 Dividends
- 6.00% Mass Mutual
- 5.65% Guardian Life
- 5.75% NYL (6.00% in
- 5.00% Northwestern Mutual
Here are vital signs reports that include several companies including some of the Major Mutuals:
- Vital Signs Report & Company Financials
- See below for dividend history for Guardian Life and Mass Mutual Companies
The factor that often refines your decision-making process regarding the company, aside from their financials, is policy flexibility. How do you use a policy as a flexible savings asset instead of a fixed lifelong bill? (Hint: Use one of the 4 Major Mutual companies!)