FindWholeLife
About FindWholeLife
A reference on participating whole life, kept by an independent, licensed insurance agency.
Who keeps this site
FindWholeLife is a brand of North Life Group LLC, an independent insurance agency whose agents hold life insurance licenses. The agency does not work for a single insurer. It compares policies from more than one company, and it is paid by the insurer when a policy is placed.
The site exists because the figures owners and buyers ask about most, such as a company's declared dividend interest rate or what a loan does to a policy, are hard to find in one place with a date and a source attached.
What the site records
- Declared dividend interest rates and payouts, company by company and year by year, each tied to the page that stated it.
- How mutual, stock and mutual holding companies differ, and which companies have changed form.
- The rules behind policy loans, missed premiums, maturity and 1035 exchanges, explained from model laws, company pages and named analysts.
- Calculators that show the guaranteed figure and the figure with current dividends apart, never blended.
What it will not do
- Call a policy an investment, promise a return or describe a policy as a bank. A whole life policy is life insurance first.
- Show a dividend without saying it is not guaranteed, or a loan without saying it reduces the death benefit and can end the policy.
- Print star ratings, testimonials, award badges or insurer logos.
- Fill a gap with a guess. Where a company states no figure, the page says so.
Who writes and reviews
Pages are written by the FindWholeLife editorial team and reviewed by a licensed life insurance agent at the agency before they publish. The editorial standards explain how sources are chosen, dated and corrected.
How to reach us
Call (305) 699-5857, Monday to Saturday. The contact page lists what we can help with by phone.
Talk to a licensed agent
Ask a licensed agent about a policy
- You answer four short questions. Your age, your state, what you want done and how to reach you.
- A licensed agent calls you. From an independent agency that compares more than one insurer.
- You see the columns side by side. Guaranteed values next to dividend values, and you decide. Nothing is bought on the call unless you choose it.
Many owners are best served by keeping the policy they have. The agent will say so when it is true.