Whole Life Insurance is a product that has been around for a long time. Some people love it, and some people hate it. We have found that whole life insurance policies produce high cash value for consumers if two things are consistent: company selection and policy design. History has proven one thing to be consistent with whole life insurance. Individuals and corporations that want maximum cash value have the following:

• • A whole life policy with one of the 4 major mutual companies.
  • A whole life policy set up with a minimum premium.

A whole life policy with the these two things will result in:

• • Your cash value growing by 3-5% (tax-free). This is the net growth after all insurance expenses.
  • You continuing to see 3-5% compounding on your money, regardless of whether it is in the policy or if you borrow against it!

You can use your compounding cash value as a means of financing instead of going to banks and lenders for capital. You do not need to qualify for loans—interest is paid to the insurance company, and payments are optional.

*Cash Values may be accessed tax-free. However, the cash value in a life insurance policy may be taxable in certain situations. We recommend that you consult with an agent or your tax advisor for more information. None of the above is tax advice.