Limitless Banking

Adding a permanent participating life insurance policy to your financial plans can improve the rate of return and reduce the risk in the investment portfolio.

What can life insurance bring to your investment plan?​

Diversification

Guarantees​

Rate of return

Liquidity

An Instant Legacy

Diversification

Part of the premium for participating whole life insurance flows into the company's participating account and is invested. You benefit from a diversified mix of investments including a significant fixed-income portfolio for stability; and a combination of non-fixed investments including equities for long-term growth. You are eligible to participate in the earning of the participating account through dividend payments.

Guarantees

Once a dividend is paid, it is 100% vested and can never be taken away. Plus, the cash value of the policy will never decrease, regardless of market conditions.

Rate of Return

Dividends that accumulate within the policy grow on a tax-advantaged basis. This offers the potential for a higher rate of return than non-registered savings vehicles that are taxed annually.

Liquidity

Access to the cash value? without the time restrictions of locked-in investments or the market volatility of equities.

An instant legacy

Tax-free payment at death to your beneficiarylies).

common questions

A permanent participating life insurance policy is a type of life insurance that provides coverage for the entire lifetime of the insured, as long as premiums are paid. It also offers the opportunity for policyholders to participate in the insurance company’s dividends.

By offering the potential for policyholders to participate in the insurance company’s dividends, a permanent participating life insurance policy can provide an additional source of returns for the policyholder. This can help to improve the overall rate of return on the investment portfolio.

By providing a source of guaranteed income, a permanent participating life insurance policy can help to reduce the risk in an investment portfolio. This is because the policyholder is able to plan for a guaranteed stream of income in the event of their death, regardless of market fluctuations.

While a permanent participating life insurance policy can be a valuable addition to an investment portfolio, it should not be considered a primary investment. It is important to diversify your investment portfolio to spread risk and ensure you are not over-reliant on any one investment.

Benefits of a permanent participating life insurance policy include lifetime coverage, potential for policyholder to participate in dividends and a guaranteed stream of income in the event of death.

A permanent participating life insurance policy provides coverage for the entire lifetime of the insured, whereas term life insurance only provides coverage for a specified term. Additionally, a permanent participating life insurance policy offers the potential for policyholders to participate in the insurance company’s dividends.

It depends on the specific policy and insurance company. Some permanent participating life insurance policies may have cash value that can be withdrawn or borrowed against, while others may not. It is important to check the terms of your specific policy.

When choosing a permanent participating life insurance policy, it is important to consider factors such as the insurance company’s financial stability, the policy’s terms and conditions, and the policyholder’s personal financial goals and needs. It is also recommended to consult with a financial advisor before making a decision.

The minimum investment required for a permanent participating life insurance policy will vary depending on the insurance company and policy. It is important to check the terms and conditions of the specific policy you are considering.

A: Yes, a permanent participating life insurance policy can be added to an existing investment portfolio. It is an additional source of income and can help to diversify the portfolio, reducing the overall risk.

Abrir chat