Stability and Peace of Mind

Jody Horetski
Life Insurance Consultant

Despite what the financial pundits would have you believe, permanent life insurance has very unique qualities that sets it apart as an excellent vehicle for helping you on your way to financial freedom.

For many families, permanent life insurance can be a great tool for building a solid financial foundation.  These policies build cash value that grows over time and offers a way to save money and earn tax-sheltered interest.  Permanent life insurance can help provide liquidity to cover estate settlement expenses or to help provide cash value for a business transition.

Let’s look at a scenario from one of our top carriers:

Consider a Guaranteed Permanent Life policy, 10-Pay premium, for a 60-year-old male planning to put $10,000 aside for 10 years.  For the sake of this example, he would generate $196,000 of death benefit protection from day one and his guaranteed cash value in year ten would be $107,820, with no surrender charge!  By adding the Chronic Illness Rider, he would also add a valuable layer of coverage if he would become chronically ill and need to access the death benefit early.

Permanent Life Insurance offers:

  • Tax-deferred cash value accumulation
  • Permanent coverage that can never be canceled, provided premiums are paid when due
  • Multiple payment options
  • Guaranteed premiums, Guaranteed Cash Values, and Guaranteed Death Benefit

Contact the Experts at Wholehan Marketing With Your Next Life Insurance Case – Let us Make it Easy and Profitable for You!