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Why Whole Life Insurance?
At Onward Shield, we believe your retirement should be more than numbers on a page. It should be about confidence, protection, and options.
Whole life insurance is more than a death benefit—it’s a financial tool that grows steadily, provides access to cash, and helps shield your retirement plan from uncertainty.
6 Key Benefits of Whole Life Insurance
✅ Guaranteed Growth
Your cash value increases every year—predictably and securely.
✅ Tax-Advantaged Access
Access available funds tax-free through policy loans when you need them most.
✅ Volatility Buffer
Protect your investments by drawing from your policy during market downturns.
✅ Bond Alternative
Low interest rates make traditional bonds less attractive. Whole life offers a reliable substitute.
✅ Protection + Liquidity
Permanent life insurance coverage plus access to living benefits.
✅ Legacy Planning
Leave your loved ones a guaranteed, income-tax-free benefit—whenever that day comes.
How It Works
1️⃣ Schedule a Free Consultation – We’ll talk through your goals and needs.
2️⃣ Get a Customized Plan – See how whole life fits into your retirement strategy.
3️⃣ Build Confidence for the Future – Enjoy both protection and flexibility with your Onward Shield in place.
Why Onward Shield?
We aren’t here to push products. We’re here to provide clarity and confidence so you can make informed decisions about your retirement.
With Onward Shield, you get:
Straightforward guidance
A personalized approach
A partner committed to your long-term financial resilience
Ready to strenghten your retirement plan?
Start Today with a simple conversation. No pressure - just clarity.
As an independent broker, I am appointed with several highly rated life insurance carriers including but not limited to:
Lafayette Life Insurance Company
MassMutual
Penn Mutual
📊 Case Study: Building Cash Value with Whole Life
Meet Dave
Dave is 40 years old and wants to add a stable, tax-advantaged asset to his retirement plan. He commits to paying $400/month into a high cash value whole life policy, with 70% directed toward Paid-Up Additions (PUAs) and 30% toward the base policy.
How It Works
Annual Premium: $4,800
Base Policy (30%): Provides permanent life insurance coverage.
PUAs (70%): Supercharges cash value growth and dividends.
Dividend Rate Assumed: 6% (non-guaranteed).
📈 20-Year Snapshot
Total Premiums Paid:
$4,800 × 20 years = $96,000
Projected Cash Value (after 20 years):
≈ $160,000 – $180,000 (depending on actual dividend performance).
Death Benefit:
Starts around ~$250,000, grows to $400,000+ by year 20 (due to PUAs and dividend growth).
🚀 The Results
Liquidity: Dave can access his policy’s cash value (≈$160k+) through tax-advantaged loans if needed in retirement.
Growth: His money grew with stability—protected from market downturns—while also providing life insurance protection.
Legacy: If Dave passes away, his family receives a tax-free death benefit that’s grown over time.
Bond Alternative: Instead of relying on low-yield bonds, he has a flexible, liquid, and tax-advantaged asset.
Key Takeaway
By consistently funding a high cash value whole life policy with PUAs, Dave turned $96,000 of contributions into:
$160,000+ of accessible cash value
$400,000+ of permanent death benefit
A shield against volatility and a tax-advantaged pool of funds for retirement
⚠️ Important Note: Actual results vary by insurer, product design, age, health, and dividend performance. This example is for educational purposes only and not a guarantee of future performance.
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