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1(800)-805-3707
Have a Question? 
1(800)-805-3707
We primarily recommend the 4 Major Mutual companies, not because they specialize in IBC, but because 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.

2020 Dividends:

6.20% Mass Mutual
5.65% Guardian Life
TBD 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
Vital Signs Company Financials
See below for dividend history for Guardian Life and Mass Mutual Companies

Guardian Dividends

GuardianDividendsSection4

Mass Dividends

MassDividendsSectio
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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