A policy is only as strong as the company behind it. Marty places business with carriers that have paid claims through world wars, depressions, and recessions — for more than a century.
“When you buy life insurance, you are not buying a product. You are buying a promise. And that promise is only as good as the company making it.”
Marty WashingtonIndexed universal life with annual point-to-point crediting on the S&P 500, with a cap and a 0% floor. Your money is never directly invested in the market.
Accelerated death benefit riders for terminal illness, chronic illness (2 of 6 activities of daily living for 90 days), and critical illness — cancer, heart attack, stroke, ALS, kidney failure, major organ failure, and more.
A mutual company, which means it answers to the people who hold its policies rather than to outside shareholders.
Strategic Accumulator, Strategic Protector, and Strategic Accelerator IULs — three products built for three different goals rather than one policy stretched to fit everyone.
More ways to allocate the growth bucket than most carriers offer.
Accelerated death benefit endorsements for critical, chronic, and terminal illness at no extra premium on eligible policies.
Guaranteed net-zero-cost loans after roughly five policy years, and term policies convertible to permanent coverage without new evidence of insurability.
Ratings agencies grade insurers on one thing that matters more than anything else: the ability to pay claims decades from now, when your family actually needs them. An A+ (Superior) grade from A.M. Best means the carrier holds more in assets than it has promised to pay out, and has held that position through every kind of market.
That sounds abstract until you look at what these two companies have already paid claims through.
Different carriers fit different health profiles, budgets, and goals. Marty compares both — plus term-conversion paths — and places your policy where it performs best for you, not where it pays him best.
