守護全人壽保險投資良好？
守護全人壽保險投資良好？
 GLIC Guardian Life Insurance Company is one of the oldest and highest rated insurers in the country. I happen to be appointed with them as a Broker so I'm very familiar with their Whole Life products. As noted above Guardian is a mutual company as such they pay dividends to the policy holders. They also offer increasing insurance benefits called "paid up additions" (PUA), at no increase of premium and no additional proof of insurability. Insurance is not allowed to be marketed as an "investment", but when you pay into something whether it be in money or your time you are 'investing' in it. Do you get more out of it than you put into it? If you look at it in terms of benefit payout verses what you pay into it, (even though you don't receive the benefit - your beneficiary does), generally the return is at least 100% more than your invested amount. And it may be many times more. As far as benefit to you, other than the peace of mind that you have made provision for your loved ones in the case of your demise, monetarily whole life policies with mutual companies produce a robust Cash Value growth that you have access to without incurring taxable events and at very low interest rates. And the cash value grows at a minimum Guaranteed rate! In my comparing Guardian policies with other insurers' policies, The Guardian out-performs most in both the PUA and Cash value. So is a Guardian whole life policy a "good investment"? I would say yes, one of the best.
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