Insurance Companies & Dividends

Explore how mutual life insurance companies operate, how dividends affect participating policies, and what to evaluate when comparing carriers. Learn about ratings, direct recognition, company structure, policy performance, and long-term financial strength.

7702 Whole Life Insurance Dividends Update (2021) Part 2

By Rachel Marshall / December 6, 2021 / Comments Off on 7702 Whole Life Insurance Dividends Update (2021) Part 2

Are you considering whole life insurance, but want to know more about the new products the life insurance companies have released in response to the 7702 changes in 2021? How a whole life dividend rate is computed? Is cash value life insurance improving? Well, the new products are finally here! Let’s dive into the 7702 whole…

Whole Life Insurance Dividends and Interest Rates

By Rachel Marshall / November 15, 2021 / Comments Off on Whole Life Insurance Dividends and Interest Rates

How are whole life insurance dividends and interest rates faring in this low interest rate environment? Is today’s long stretch of low interest rates a bad sign for whole life insurance in the future? Today, we’re having a candid conversation about today’s interest rate environment, the impact on bond rates and prices, and how that…

Life Insurance Demutualization: What it is and What it Means for You

By Rachel Marshall / May 31, 2021 / Comments Off on Life Insurance Demutualization: What it is and What it Means for You

For Infinite Banking, the ideal policy is a specially designed, high cash value, dividend-paying, whole life insurance policy with a mutual company. But some mutual companies, including Ohio National, have recently demutualized. So what is whole life insurance demutualization, and what does it mean? Today, we’re going to talk about demutualizing and how it affects…

Direct vs. Non-Direct Recognition in Life Insurance: What You Need to Know

By Rachel Marshall / December 21, 2020 / Comments Off on Direct vs. Non-Direct Recognition in Life Insurance: What You Need to Know

Are you considering whole life insurance and want to know which is better: Direct vs. non-direct recognition life insurance companies? What does it mean? Why does it matter? How does it impact your policy’s average rate of return? And should it be a part of your decision-making process? In this episode, we discuss the why,…

Whole Life Insurance Dividends: What They Are and How They Work

By Rachel Marshall / November 23, 2020 / Comments Off on Whole Life Insurance Dividends: What They Are and How They Work

I heard whole life pays dividends — but what does that really mean? This question comes up constantly when we talk with business owners and high-earning professionals about Privatized Banking. And honestly, I get it. The world of whole life insurance dividends can feel a little murky. Confusing.  So we brought in someone who knows…

Life Insurance Company Ratings and Why They Matter Right Now

By Rachel Marshall / May 18, 2020 / Comments Off on Life Insurance Company Ratings and Why They Matter Right Now

Here’s new life insurance company rating information for every wealth creator who wants to be certain that your savings are stable and guaranteed, so you can be sure the financial moves you make to gain safety really are solid and dependable, so you don’t lose money or wonder if an economic crisis could collapse the…

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