We primarily recommend the 4 Major Mutual companies. They are not recommended by many brokers due to paying low commissions compared to other companies, but they have a track record of producing strong cash value policies for consumers. This is not to state that other companies are “bad,” but we have proof of performance from these 4 Major Mutuals while others have not disclosed any historical performance to us.
See below for dividend history for Guardian Life and Mass Mutual Companies
The factor that often refines your decision-making process regarding the company, aside from their financials, is policy flexibility. How do you use a policy as a flexible savings asset instead of a fixed lifelong bill? (Hint: Use one of the 4 Major Mutual companies!)
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