We will help you find the best value on highly rated cash value whole life insurance  products. Whole life insurance builds cash value while also providing life insurance protection.   Set up properly and by adhering to IRS tax regulations you can use a whole life insurance product to take tax free income out during retirement. 

Whole life is often call permanent life insurance, as it is designed to provide protection throughout your lifetime.  Moreover, your premiums are based upon your gender, age, and health are are fixed so your premiums will never increase.  We work with some of the industries top rated and most reputable whole life insurance carriers that have a strong tradition of paying out dividends to help build your cash value and achieve your long term savings goals.

Watch a video clip from the pundits at CNBC on why cash value life insurance should be considered as an important new asset class.  The stability, competitive guaranteed returns and whole life insurance’s potential to increase through dividends and, if properly structured, its potential for tax free withdraws make life insurance an attractive asset that can be used towards your retirement savings goals.  

Here is a recent article from BusinessWeek, also about the wisdom of whole life insurance policies to help keep your financial house in order in the midst of our turbulent economy.

Generally, the premium to own the policy is higher for the first 2-3 years and after that the cash value greater than the premium paid.  Cash value life insurance provides liquidity and helps balance your long term qualified portfolio, where early withdraws may be subject to penalties.  

Because your qualified portfolio is taxable upon distribution, cash value life insurance also provides tax diversity, where, properly structured, you can receive income 100% tax free up to your basis and your gain is tax deferred.

Finally, by adding a Waiver of Premium Disability Rider to the policy, you can help safeguard your retirement. If you are disabled your qualified contributions to your 401k will stop when your income stops.  With the Waiver of Premium Disability Rider, the insurance company pays your premiums for you, as per the contract, throughout your disability to help continue to build your cash values for retirement, as well as continuing to provide policy's death benefit.

For Estate Conservation, whole life insurance often is also purchased by business owners, people with real estate holdings and larger estates as a cost effective tool to provide liquid funds to pay the federal estate tax levied against the estate of a deceased person, so the heirs are not forced to liquidate business, real estate or personal assets at an inopportune time.

Life insurance comes in all shapes and sizes and each have their own special benefits and distinctive methods of helping you achieve your financial goals. Your advisor with Gain Financial Services will help you find the right life insurance product for your particular needs. 

Contact Us for more information on the creative use of permanent life insurance to help protect your family's financial future.  

Gain Financial Services, Inc.
3200 Cherry Creek South Drive
Suite 700
Denver, CO 80209

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Call us today at (303) 456-7967 or toll-free at (800) 416-4481