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:
- Reduce out of pocket premiums immediately or forever.
- Re-deploy premium dollars to more efficient savings and investment vehicles.
- Transfer existing value from your policy to a more appropriate policy.
- 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.
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.
Through education, prudence and proper consultation, our mission is to provide our clients valuable and suitable guidance to best accomplish their specific needs.