A whole life insurance policy offers both a guaranteed death benefit, and a guaranteed
return on the cash value growth that is set by the insurance company.
However, with permanent life, the insurance company's investment, earnings and claims experience has a significant
impact on cash value growth.
And here is an illustration of a properly designed 10 pay whole life policy for a 4 yo boy with a guaranteed insurability rider with an A + rated carrier
focused on cash value growth.
And if you utilize the policy correctly, using loans and avoiding coverage lapses or surrenders, you will never need to pay
taxes on the cash value growth.
Some are focused more on the initial death benefit, while other life insurance policies
focus on the cash value growth, which may create a larger death benefit when all is said and done.
Issued by Life Insurance Company of the Southwest, SecurePlus Provider IUL is designed to be overfunded, focusing
on cash value growth to be used as income later in life.
By taking out policy loans, rather than outright withdrawing your cash value, you can avoid ever paying taxes
on your cash value growth.
By borrowing against your cash value, rather than outright withdrawing your cash value, you can avoid ever paying taxes
on your cash value growth.
And if you utilize the policy correctly you will never need to pay taxes
on the cash value growth.
And although it is tax deferred, if you practice proper policy management, you may never need to pay taxes
on the cash value growth.
You pay no current income taxes
on the cash value growth.
And if you use policy loans you may never have to pay taxes
on your cash value growth.
This IUL offering from Prudential focuses
on cash value growth.
Another is focused
on cash value growth.
And if you utilize the policy correctly, using loans and avoiding coverage lapses or surrenders, you will never need to pay taxes
on the cash value growth.
And if you utilize the policy correctly you will never need to pay taxes
on the cash value growth.
And although it is tax deferred, if you practice proper policy management, you may never need to pay taxes
on the cash value growth.
By taking out policy loans, rather than outright withdrawing your cash value, you can avoid ever paying taxes
on your cash value growth.
Some are focused more on the initial death benefit, while other life insurance policies focus
on the cash value growth, which may create a larger death benefit when all is said and done.
If you practice proper policy management, you may never need to pay taxes
on the cash value growth.
And here is an illustration of a properly designed 10 pay whole life policy for a 4 yo boy with a guaranteed insurability rider with an A + rated carrier focused
on cash value growth.
Issued by Life Insurance Company of the Southwest, SecurePlus Provider IUL is designed to be overfunded, focusing
on cash value growth to be used as income later in life.
And if you practice proper policy management, you may never need to pay taxes
on the cash value growth.
And if the policy was designed correctly, with a focus
on cash value growth, as opposed to an initial large death benefit, the policy's cash value and death benefit will continue to grow as you age, providing a larger death benefit and more cash value to use in retirement.