Average 6% or more in the past 10 years
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Which is suitable for clients focusing more on death benefit, making a full protection to the next generation. Client has no intension to claim or borrow any amount from cash value.
Reinvestment in Annuity and Wealth Allocation for Retirement
Which is suitable for clients focusing more on cash value, which can be use as a funds for reinvestment or diversified wealth allocation after retirement. Client may have intension to claim or borrow a part of amount from cash value.
Both ( PWS Standard Strategy)
Balanced Distribution between Death Benefit and Cash Value: Both cash value and death benefit steadily increase. PWS products has been designed to have flexibility for loan.
Conservative Risk Tolerance
Whole Life Insurance is recommended.
Moderate Risk Tolerance
Whole Life Insurance + Indexed Universal Life Insurance (IUL)(PWS Standard Strategy)
Aggressive Risk Tolerance
Indexed Universal Life Insurance (IUL) is recommended.
Total Assets below 8M
Purchase: Premium Financing with 0.5M-1M of Whole Life Insurance
Total Assets between 8M-25M
Purchase: Premium Financing with 1M-2M of PWS Standard Strategy
Total Assets over 25M
Purchase: Premium Financing with 5M