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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.

2022 Dividends:

6.00% Mass Mutual
5.65% Guardian Life
5.75% NYL (6.00% in 2019)
5.00% Northwestern Mutual

Here are vital signs reports that include several companies including some of the Major Mutuals:

Vital Signs Report & Company Financials
See below for dividend history for Guardian Life and Mass Mutual Companies

Guardian Dividends

Mass Dividends

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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