Advisors Blog

Is Whole Life Insurance Back?

Published on November 12, 2020


Is Whole Life Insurance Back?

Whole Life is still the most popular permanent cash value insurance product on the market, partly because it is sold by legions of career agents working for mutual carriers. But whole life continues to offer several advantages to advisors selling through brokerage affiliations. Most important of those being safety, predictability, guarantees and more flexibility than you might realize. We offer several of the top rated, best-performing, and well known whole life carriers.

In a volatile market where clients are looking for stability, participating whole life actually offers TWO guarantees in one product plus many other benefits:

  • Guaranteed death benefit for life.
  • Guaranteed cash value – cash value guaranteed to endow at maturity. (With dividends likely much sooner.)
  • Strong dividend history – dividends are not guaranteed but none of our carriers have missed a dividend payment in their history, some going back 100, even 150 years.
  • Cash value growth is tax deferred and can be accessed tax-free.
  • Riders such as waiver of premium, paid up additions and term blends make this a very flexible product.

For more information or quote requests, please contact your brokerage manager.




We thank you again for your business.

For more information or insurance quote requests, please contact

your brokerage manager or give us a call at (800) 473-5966

For agent use only - not for use with the general public.

Corporate CA License No. 0D87913


21820 Burbank Blvd., Suite 301

Woodland Hills, CA 91367

Phone: (800) 473-5966

GBS Insurance and Financial Services, Inc. do not provide investment, tax, or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

This guide is provided to you for information purposes only and should not be relied upon as legal or tax advice. Consult a tax advisor regarding specific circumstances. Please note that Premier Brokerage Services, A Gallagher Company, and its licensed representatives do not provide legal or tax advice. Consult an attorney or tax advisor.

© 2020 Arthur J. Gallagher & Co. 





7 Valuable Tips and Sales Ideas

Introducing a new series of quick sales ideas to spark interest in your clients and centers of influence. Position yourself as a valued advisor and insurance professional by using these tips as conversation starters.


Have You Considered VUL?

If you haven’t considered VUL lately, many of today’s newest products include benefits and features that clients are looking for. With the increased pricing for GUL products coupled with many carriers totally withdrawing from that marketplace, VUL and SVUL have become an even more attractive alternative for you and your clients to consider.


Get Started

Start Your GBS Online Account

At vero eos et accusamus et iusto odio dignissimos ducimus qui blanditiis praesentium voluptatum deleniti atque corrupti quos dolores et quas mnt in culpa qui officia deserunt n culpa qui officia des mollfuga.

Stay Connected