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Master Cash value rich Whole Life Insurance

Paid-up additions are a key way to build a cash-rich whole life policy that optimizes the rate of return. But it's difficult to find a centralized source on paid-up additions. This course explains the who what where when and why of paid-up additions. It also offers you a handy reference guide on the specific paid-up additions rules at all the major whole life-focused insurance companies.

Course curriculum

  • 1

    Welcome!

    • Welcome!

    • Required Disclosure

    • The Ultimate Guide to Paid-up Additions Introduction
  • 2

    Chapter 1: Defining Paid-up Additions

    • Defining Paid-up Additions Video

    • Defining Paid-up Additions
  • 3

    Chapter 2: How to Add Paid-up Additions to a Whole Life Insurance Policy

    • Adding Paid-up Additions to a Whole Life Insurance Policy

    • Adding Paid-up Additions to a Whole Life Policy

    • Using Dividends to Add Paid-up Additions to a Whole Life Insurance Policy

    • Using the Elective Paid-up Additions Rider to Add Paid-up Additions to a Whole Life Insurance Policy
  • 4

    Chapter 3: Adjusting the Paid-up Additions Rider

    • Flexible vs. Level Paid-up Additions Rider
  • 5

    Chapter 4: Company Specific Paid-up Additions Rules

    • Introduction

    • American United Life (One America)

    • Ameritas Life

    • Guardian Life

    • Lafayette Life

    • MassMutual

    • Mutual Trust Life

    • New York Life

    • Northwestern Mutual

    • Ohio National

    • Penn Mutual

    • Savings Bank Life of Massachusetts (SBLI)
  • 6

    Chapter 5: Paid-up Addition Scenarios

    • Using Paid-up Additions Dividend Option to Maximize Cash Value

    • Using Paid-up Additions Dividend Option to Increase Whole Life Death Benefit

    • Use Paid-up Additions Rider Intentionally to Increase Whole Life Policy Cash Value

    • Use the Paid-up Additions Rider to Shorten the Natural Offset Period

    • Add Paid-up Additions to a Lower Cost Whole Life Policy to Compare Performance to Higher Cost Whole Life Policy
  • 7

    Chapter 6: Limitations on Using the Paid-up Additions Rider

    • The Modified Endowment Contract

    • Company Specific Limitations to Paid-up Additions
  • 8

    Chapter 7: Beyond Paid-up Additions

    • Maximizing Whole Life Insurance Cash Value
  • 9

    Next steps

    • Thank you for completing The Ultimate Guide to Paid-up Additions!

    • Ultimate Guide To Paid-up Additions Completion Survey

    • More resources for you

Facts and Figures about The Ultimate Guide to Paid-up Additions

  • 100% More Confident

    100% of customers stated they felt more confident about whole life insurance paid-up additions upon completing the course!

  • Over 3 Hours!

    The course contains over 3 hours of video content designed to help you understand the topics in each section. 100% of customers agreed that these videos helped them understand the content in the course.

  • 94% Recommend to Friend or Colleague

    94% of customers said they would recommend the course to a friend or colleague!

Feedback for The Ultimate Guide to Paid-up Additions

See what our customers had to say after completing the course

Required Reading...

Jack M.

Overall, an excellent course that all agents should take who sell permanent life insurance products with an emphasis on cash value accumulation.

Love your content...

Renee H.

"Love love your content and podcasts. Most informative content I ever heard about insurance. Thanks "

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