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Book a Corporate Life Insurance Strategy call with on of our Licensed Advisors. We'll discuss a Corporate-Owned Whole Life Insurance policy, help you identify and setup the best policy that meets yours business goals and needs.
Inquire: Corporate Whole Life >
Corporate-owned Whole Life Insurance is a permanent life insurance policy owned by a corporation that provides lifelong coverage while building guaranteed cash value over time. It is designed for businesses that want a stable, long-term financial asset within the corporation while also protecting key individuals. Unlike more flexible investment-style policies, Corporate Whole Life offers predictability through structured growth and, depending on the policy, may also provide dividends that can enhance its long-term value. For corporations focused on protection, wealth preservation, and long-term planning, Corporate-owned Whole Life Insurance can be an effective tool for estate planning, business succession, and the tax-efficient transfer of value.
The amount you pay to cover the cost of insurance is always the same, it does not go or change.
Any payments beyond cost of insurance is invested securly for Guaranteed Cash Value.
Your investment will grow tax-sheltered with secure investing, increasing your Cash Value.
The death benefit on your policy is paid directly to your corporation or beneficiary tax-free.
Corporate-owned Universal Life (UL) offers more flexibility and more investment choice. The corporation can usually adjust premiums within limits, choose how much goes toward the insurance component versus the cash value component, and select from insurer-provided investment options such as interest accounts or market-linked accounts. That makes UL more attractive for corporations that want a more customized, growth-oriented approach and are comfortable with more moving parts.
Corporate-owned Whole Life (WL) is usually more structured and more predictable. It provides lifelong coverage, builds guaranteed cash value over time, and with participating whole life may also pay policy dividends. The insurer manages the underlying investments rather than the corporation choosing from a menu of investment accounts. That makes WL more appealing for corporations that prioritize stability, simplicity, and long-term certainty.
A Whole Life Insurance policy is created and paid for by the Corporation.
The Corporation is named and assigned as the beneficiary on the Whole Life insurance policy.
The Corporation pays the insurance premium. A portion of the payment pays for coverage, the rest is invested into secure investments with guaranteed tax-sheltered growth and cash value (CV).
Depending on your policy the Corporation can recieve annual dividends, and borrow a percentage of the CV. Additionally the Corporation always has a guaranteed Tax-Free Death Benefit transfer of wealth to the beneficiaries or shareholders.
Whatever your life’s goals, our financial professionals can help design a strategy tailored to your specific needs. Kinley Financial is primed to help you prepare for the long term with life insurance, education planning, and retirement strategies.
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