I put my vote into PUAs

May 1, 2025 by Sheryl J. Moore

Basic participating whole life insurance dividend options:

– Accumulate at interest;

– Cash;

– Loan interest reduction;

– Loan reduction;

– One-year term insurance;

– Paid-up additional insurance (PUAs); and

– Premium reduction.

There are numerous other variations; many with a combination of these seven.

Which do you think is the most popular?

(I put my vote into PUAs- I love them because not only do they have cash value, but they also increase the death benefit of the contract.) -sjm

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