shopify analytics ecommerce
tracking

Vanishing Premium Whole Life Insurance


The concept, vanishing premium whole life insurance, used to be quite popular from the salesman's point of view.

It has turned out that this idea is not only unrealistic but projecting life insurance policy values in the manner is tantamount to fraud.

Every life insurance agent knows that life insurance dividends are not guaranteed.

They learn that when they apply for their life insurance license and when they go through the study course that the life insurance company provides...


Want to protect your family with life insurance? Take a Free look at Top Quality Life Insurance Quotes from a Highly Rated Carrier and Save. Click Here And Save


Vanishing Premium Whole Life Insurance

There is always some smart agent who checks the cash value and dividend structure of a life insurance policy and discovers that if the company continues their present level of performance the life insurance policy would be fully paid up in a limited period of years.

The death benefit of the policy is maintained. The vanishing premium ordinary life insurance policy is reborn.

The problem with this idea is that the life insurance company cannot guarantee it's performance level 10, 15 or 20 years down the line. Their investment strategy might not prove as profitable as expected and their expenses may turn out to be above anticipated levels.

If this occurs and they projected a vanishing premium ordinary life insurance policy to be paid up in 17 years for example they are in big trouble with the authorities...

There are life insurance companies that perform so well that when you get to a certain point your policy has accumulated so much value that you can request to have the policy fully paid up at that point. You could hold a possible vanishing premium whole life policy.

They, the life insurance company, however, cannot tell you that it will happen...even if their projections are very conservative.

One of the great performers in the life insurance industry recently did that and because they were unable to fulfill their obligation to their policy owners ended up in the courts and lost.

The vanishing premium whole life insurance policy is a great idea, in theory, but projecting it as such is at the least unethical and, as it has been proven, illegal.


Can you think of anything more important than your Family's Security? What would happen to Your Family if you died? Would they be provided for? Compare Quality Life Insurance Quotes from Quality Carriers and Save. Click Here To Learn More


Home | Vanishing Premium Whole Life Insurance | Whole Life Insurance Online | Advantages Of Whole Life Insurance | In Praise Of Whole Life Insurance | Instant Whole Life Insurance Quote | Return Of Premium Life Insurance | Term Versus Whole Life Insurance | Whole Life Insurance Benefit | Whole Life Insurance Comparison

Copyright © 2004 - 2019 LifeInsuranceHub.Net. All Rights Reserved.

Tools And Resources

Life Insurance Need Calculator

Recent Articles

  1. Retirement Planning - Plan For Retirement

    Retirement planning is one of those things that we must do long before we get to retirement time.

    Read More

  2. Life Insurance Income - Income May Be Better Than Lump A Sum

    Life insurance should be seen as an instrument to provide an income for your family.

    Read More

  3. Affordable Term Insurance Quote - Affordable Term Insurance

    You are in search of an affordable term insurance quote. We will give you not one quote but several and they are the least costly on the Internet.

    Read More

  4. No Medical Exam Life Insurance For Older People - Is It Dead?

    Want no medical exam life insurance? Up until very recently it was probable to get some life coverage up until age 65 without having to do a full blown medical examination.

    Read More

  5. Life Insurance No Medical

    Get up to $1,000,000 term life insurance no medical required.

    Read More