Equitable Life’s participating whole life policy

Equitable Life offers a very competitively priced participating whole life policy.

Unlike non-participating whole life policies, participating whole life policies pay a dividend based on the profits of the company. They offer guaranteed premiums and lifetime protection, though the dividends are not guaranteed.

Equitable Life’s participating whole life policy has six dividend options: paid-up additions, premium reduction, dividend on deposit, premium reduction or paid in cash, enhanced protection, and purchase units in a common stock fund.

The last option, to purchase units in a common stock fund, is not available in many traditional whole life policies and is an attractive feature. It allows the policy owner to combine the guarantees of whole life coverage with the growth opportunities of equity-based investments.

The plan is available on Life Pay or 20 Pay bases, and you can add Term 10, Term 20, or Spousal Term riders.

A 35-year-old male non smoker can take out $100,000 of an Equitable Life participating whole life plan for a premium of $163.00 a month. Based on the current dividend rates, which are not guaranteed, the plan has a cash value of $123,018 and a death benefit of $260,518 at age 65.

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2 Comments

  1. Georgina Martin 12/09/2008 at 8:13 pm

    I am 45, 46 2009 of May and I am searching for a lifetime life insurance. The value of the insurance would be 75,000 – 100,000. at a monthly or yearly payment.

  2. LSM Insurance 12/10/2008 at 8:43 pm

    Hi Georgina,

    Thanks for your note. I will send you a seperate email with some quotes.

    If you have any questions please contact me. Regards … Lorne

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