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radioman · 01-04-2016, 08:43 PM

Disclosure: Licensed insurance advisor

By the looks of the dividend scales you are looking at a plan from Sunlife and a form of Greatwest/Canada life/london life?

You're comparing guaranteed cash value in one and projected coverage in the other. Might as well take the comparison further and look at projected Cash value as well. There are -1% etc options you might also want to request from your broker.

Are you quick paying these plans? 20 year timef rame etc

Take a look at the asset mix for both par accounts. Also take a look at dividend history (if you give me the names of the companies I can provide these for you).

Any other questions just reply I'll try my best to answer.

EDIT: Also be aware participating whole life is an asset and not the most cost effective way to provide permanent life needs. It is however one of the best ways to transfer assets to the next generation. Make sure you're getting the right product for your currents and future needs!

01-04-2016, 08:43 PM	#2
radioman I contribute to threads in the offtopic forum Join Date: Jun 2012 Location: Vancouver Posts: 2,737 Thanked 3,242 Times in 861 Posts Failed 136 Times in 59 Posts	Disclosure: Licensed insurance advisor By the looks of the dividend scales you are looking at a plan from Sunlife and a form of Greatwest/Canada life/london life? You're comparing guaranteed cash value in one and projected coverage in the other. Might as well take the comparison further and look at projected Cash value as well. There are -1% etc options you might also want to request from your broker. Are you quick paying these plans? 20 year timef rame etc Take a look at the asset mix for both par accounts. Also take a look at dividend history (if you give me the names of the companies I can provide these for you). Any other questions just reply I'll try my best to answer. EDIT: Also be aware participating whole life is an asset and not the most cost effective way to provide permanent life needs. It is however one of the best ways to transfer assets to the next generation. Make sure you're getting the right product for your currents and future needs!