Whole Life Insurance

We structure policies differently so you can access income at any age.

There are a lot of misconceptions about whole life insurance: It's too expensive, it doesn't grow your money quickly, it only pays out when you die.

When you work with a Wealth Strategist, we structure your whole life policies differently. We create a custom Wealth Maximization Account (WMA) that works for your financial situation, grows your wealth quickly, and allows you to access your money when you need it. Here are our criteria:

  • Your WMA will be customized for your unique goals and life stage (Growth, Income, Legacy).
  • Your WMA will utilize a dividend-paying whole life policy.
  • Your WMA will be underwritten by a highly rated mutual insurance company (Penn Mutual, New York Life, OneAmerica, MassMutual, and Guardian are just a few of the many companies we work with to customize your plan).
  • Your WMA will include a paid-up additions rider to maximize growth.
  • Your WMA will be funded at 7-pay level to optimize performance and tax advantages.
  • Your WMA will include a guaranteed loan against your cash value, so you can access your wealth at any time.

A Wealth Maximization Account is the backbone of The Perpetual Wealth Strategy™

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