Whole Life: Considering a better appoach

What's wrong with Whole Life policies

On the surface, Whole Life insurance accomplishes what it claims to provide; death benefit protection and accumulated cash build up.

Peel back the layers and you'll find that many Whole Life policies are inefficient, expensive, and in most cases unnecessary.

Reason, math, and history show that the hard earned premium dollars being paid into a whole life policy can be put to better use for you, your future, and your family.

We can help.  Contact us to speak with a CERTIFIED FINANCIAL PLANNER™.  No Costs, no fees, just a conversation

Its never too late

Whether you currently own a whole life policy or are considering purchasing one, it's important to know that you can always make changes. Through a simple discussion, you may find you are able to:

  1. Reduce out of pocket premiums immediately or forever.
  2. Re-deploy premium dollars to more efficient savings and investment vehicles. 
  3. Transfer existing value from your policy to a more appropriate policy.
  4. Increase the amount of life insurance per premium dollar


Life insurance can accomplish many things for many needs.   Whether your goal is death benefit protection, tax deferred accumulation, supplemental retirement income or estate planning, matching the appropriate solution to the particular need is paramount.  Whole Life policies are one solution, unfortunately they are rarely the best solution.

Policy Review

All permanent life insurance policies, including Whole Life,  require periodic review of policy design,  performance and need.  We provide complimentary service reviews and needs analysis.  

Our Mission



Through education, prudence and proper consultation, our mission is to provide our clients valuable and suitable guidance to best accomplish their specific needs.