{"id":24918,"date":"2023-10-02T08:00:55","date_gmt":"2023-10-02T13:00:55","guid":{"rendered":"https:\/\/www.aae.org\/specialty\/?p=24918"},"modified":"2023-09-19T07:28:47","modified_gmt":"2023-09-19T12:28:47","slug":"whole-life-a-valuable-tool-but-not-for-everyone","status":"publish","type":"post","link":"https:\/\/www.aae.org\/specialty\/whole-life-a-valuable-tool-but-not-for-everyone\/","title":{"rendered":"Whole Life \u2013 A Valuable Tool, But Not For Everyone"},"content":{"rendered":"
\"\"

Shawn M Johnson
ChFC\u00ae, CLU\u00ae, CLTC
Vice President,rment
CA Insurance Lic. # 0M88197
sjohnson@treloaronline.com<\/p><\/div>\n

The road to practicing dentistry or medicine is indeed a long one, filled with challenges \u2013 both academic and financial. However, once you reach the point you envisioned, you will most likely be well rewarded for your hard work and investment. Not only is it rewarding to be able to make a difference in people\u2019s health and wellbeing, the successfully practicing professional is rewarded with a positive financial picture.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

Having a solid revenue stream brings with it the question of how best to spend today and where to save for the future. We thought we would focus this topic on the established dental and medical practitioner, someone who has a solid career path, a healthy cashflow, has fully funded emergency funds and their retirement accounts, and they have tapped out tax-advantaged savings options. Perhaps that is you.\u00a0<\/span>\u00a0<\/span><\/p>\n

Even if you are not quite \u201cthere\u201d yet, perhaps this is your dream. In which case, this article may be useful as you think of your future savings opportunities. If you already make a good living or are on your way to making a good income, then you will need to have a financial plan to best get to your destination. That is our recommendation to all our clients. And within that financial plan, our hope is that you will have the opportunity to fully fund your retirement accounts. In situations where there is plenty of cash flow, our clients are always looking for other ways outside of the conventional vehicles (which they may have maxed out) to satisfy their savings needs.\u00a0<\/span>\u00a0<\/span><\/p>\n

Begin At The Beginning: Once You Leave Residency<\/span><\/b>\u00a0<\/span><\/p>\n

Before we get ahead of ourselves, let\u2019s go back to the beginning. Let\u2019s go to when you completed your training. For many people the duration of their training is financed at least partly with loans.\u00a0 Once you are out of training, you finally start building your financial foundation.\u00a0 In the beginning people typically secure their necessary insurances and start figuring out their student debt repayment plan. On the professional front, they start practicing, either as an associate, owner, partner, or as an employee within a larger organization. Then they set up an emergency fund (say 3-6 months of living expenses in cash). Perhaps they save up a down payment to buy a home or to stage themselves for practice ownership.<\/span>\u00a0<\/span><\/p>\n

The question comes of how much to save often comes up \u2013 and where or in what savings vehicles? Over time, income increases and so does the capacity to save. Upon fully funding qualified plans (a qualified plan is a tax-advantaged savings plan, like a SEP or a 401(k)), there is often still a deficit in the amount of savings needed to create financial independence. This is where other financial tools are needed. Whole life insurance could be one potential piece \u2013 which provides both the protection afforded by life insurance as well as the opportunity to save money in a non-correlated asset class. A non-correlated asset class is one that performs counter to\u00a0 equity and bonds markets. Some investors use non-correlated asset classes to \u2018temper\u2019 the behavior of the other asset classes and provide some stability in their overall portfolios, especially during volatile market cycles.\u00a0<\/span>\u00a0<\/span><\/p>\n

What Is Whole Life?<\/span><\/b>\u00a0<\/span><\/p>\n

Whole life insurance is, as the name states, life insurance. It falls in the category of permanent insurance, in contrast to term insurance which provides only limited coverage. Permanent life insurance stays in force for as long as the owner pays the premiums to maintain the policy.\u00a0<\/span>\u00a0<\/span><\/p>\n

Beyond offering permanent coverage, whole life is a life insurance product with many other features, the most notable of which is a savings component \u2013 your premiums provide both life insurance coverage and accrue what\u2019s called a \u2018cash value.\u2019\u00a0 The cash value accrues over time, frequently with contractual guarantees, as well as additional potential growth through company dividends from the issuing company. While the savings feature of a whole life insurance policy may provide stability in one\u2019s overall financial picture, it\u2019s also important to point out that it will not yield returns that are as high as other asset classes. You will be exposed to less volatility, but you will also find that the returns are lower.\u00a0<\/span>\u00a0<\/span><\/p>\n

This is why it is important to consider the cash value in whole life as a diversification tool and to understand that the returns should not be compared to riskier asset classes like the stock market.\u00a0 Few advisors would suggest an investment allocation of 100% stocks.\u00a0\u00a0 Most may suggest a portion of your investment be placed in a safer, historically lower performing asset class like bonds to reduce the overall risk in the portfolio.<\/span>\u00a0<\/span><\/p>\n

It is much more appropriate to compare the qualities and returns of whole life to other \u201csafer\u201d assets like municipal bonds, CDs, money markets and savings accounts. When this comparison is made whole life can be evaluated more fairly and the benefits can be more clearly seen.\u00a0 While whole life has had historically similar returns to these types of vehicles, there are contractual guarantees and tax advantage growth on the underlying cash value, options to include riders providing disability and long-term care protection, as well as death benefits for legacy planning.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

Due to these features, whole life is used in sophisticated financial planning scenarios to offer tax-advantaged growth, assist in income planning, and to transfer wealth to future generations.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

Why Whole Life Is Not For Everyone<\/span><\/b>\u00a0<\/span><\/p>\n

Due to its complexity, whole life is widely misunderstood \u2013 by financial advisors and the public. Occasionally, there is controversy around whole life insurance because it\u2019s considered by some to be expensive, or inappropriate or low performing. The truth is that whole life is a valuable tool, it\u2019s a multi-purpose tool, but it is most certainly not for everyone.\u00a0<\/span>\u00a0<\/span><\/p>\n

When And Why Would You Consider Whole Life?<\/span><\/b><\/p>\n

    \n
  1. You need life insurance. (You care for someone or something and want to ensure that they are provided for when you are no longer able to do so yourself.)<\/span><\/li>\n
  2. You have a student debt repayment strategy in place.<\/span><\/li>\n
  3. You have 3-6 months of living expenses in cash set aside for emergencies.<\/span>\u00a0<\/span><\/li>\n
  4. If you plan to purchase a home, you have done so.\u00a0<\/span><\/li>\n
  5. If you plan to purchase a practice you have done so, or if this is not your plan your employment and income are stable.<\/span><\/li>\n
  6. You are fully funding qualified plans and tax advantaged accounts.<\/span><\/li>\n
  7. You have a cash surplus and a retirement savings shortage.\u00a0<\/span><\/li>\n<\/ol>\n

    Now, you can look at whether whole life makes sense for you. You may have heard the argument to \u2018buy term and invest the rest.\u2019 While this is a catchy slogan it does not provide all the information for you to make an educated decision.\u00a0 For people who may have a desire to provide a legacy\u00a0 and can use at least one of the other powerful features of the policy, whole life may very well be the answer.\u00a0\u00a0<\/span>\u00a0<\/span><\/p>\n

    If You Must Buy Term<\/span><\/b>\u00a0<\/span><\/p>\n

    We tell people that if you must buy term, buy it from a state-of-the-art company that provides conversion privileges to best-in-class whole life policies. Meaning: don\u2019t buy cheap term, don\u2019t buy it online, and don\u2019t assume that all term is created equal. It\u2019s not.\u00a0<\/span>\u00a0<\/span><\/p>\n

    Also, as a dental or medical professional-in-training there are opportunities to purchase \u2018convertible\u2019 term insurance. These policies are flexible in that they allow you to convert your term insurance into permanent insurance without regard to future changes in health. Buying convertible term is a smart way to \u201clock in\u201d your good health ratings today. Consequently, a potential health event or illness won\u2019t get in the way of your being able to purchase whole life insurance in the future.\u00a0<\/span>\u00a0<\/span><\/p>\n

    Using Whole Life Strategically<\/span><\/b>\u00a0<\/span><\/p>\n

    By now you may have realized that whole life is a whole lot more than life insurance. While this is by no means an exhaustive list of how whole life may be used creatively to support your financial plan and savings strategy, we thought we would share with you just a few of the strategic uses of whole life.<\/span>\u00a0<\/span><\/p>\n

    Be Smart About How You Implement Whole Life<\/span><\/b><\/p>\n

      \n
    1. Use it for retirement income. There are opportunities to take income via policy loans tax free at retirement.\u00a0<\/span>\u00a0<\/span><\/li>\n
    2. Borrow from it in \u2018down markets.\u2019 When equity markets are down, you may consider taking a loan against the cash value of your life insurance. The cash value in whole life is not exposed to market volatility and it is a smart idea to avoid selling equities in a down market.<\/span>\u00a0<\/span><\/li>\n
    3. Pass it on. Whole life provides a great way to pass money on to heirs and life insurance proceeds are tax free.<\/span>\u00a0<\/span><\/li>\n
    4. Use it for deferred compensation. Whole life is a tool that is frequently used for deferred compensation for executives in corporations.<\/span>\u00a0<\/span><\/li>\n
    5. In some states it’s a protected asset from lawsuits. In the event of a malpractice suit against you, whole life is one of the few things outside of your retirement plan that might provide credit or protection.<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

      If Whole Life Is Right For You, Work With A Specialist<\/span><\/b>\u00a0<\/span><\/p>\n

      Many people have purchased whole life insurance at the wrong time or in the wrong situation and that hurts every person who has been improperly advised to purchase whole life. Even if the time and situation was correct to implement a whole life strategy, they also may have purchased the wrong policy. Not all permanent life insurance policies are the same. Be sure to work with an advisor that understands and can articulate the differences.\u00a0\u00a0 Overall, if you have a need for life insurance, have enough cash flow to support it, and have tapped out other tax advantaged means for saving for the future, you should take a first (or second) look at whole life.\u00a0<\/span>\u00a0<\/span><\/p>\n

      Whatever you do, work with someone who understands the financial needs of dental and medical professionals and understands how whole life fits into the bigger picture of your financial plan. Because when used properly, this may be just the missing piece in your toolkit.\u00a0<\/span>\u00a0<\/span><\/p>\n

      Treloar & Heisel, An EPIC Company, is a financial services provider to dental and medical professionals across the country. We assist thousands of clients from training to practice and through retirement with a comprehensive suite of financial services, custom- tailored advice, and a strong service-focused support team. For more information visit us at <\/span>www.treloaronline.com<\/span><\/a>.<\/span>\u00a0<\/span><\/p>\n

      Treloar & Heisel, Treloar & Heisel Wealth Management, and Treloar & Heisel Risk Management are all divisions of Treloar & Heisel, LLC.\u202f<\/span><\/p>\n

      Investment Advice offered through WCG Wealth Advisors, LLC, a Registered Investment Advisor doing business as Treloar & Heisel Wealth Management. Treloar & Heisel Wealth Management is a separate entity from The Wealth Consulting Group and WCG Wealth Advisors, LLC.\u202f<\/span><\/p>\n

      Insurance products offered separately through Treloar & Heisel and Treloar & Heisel Risk Management.\u202f<\/span>\u00a0<\/span><\/p>\n

      Treloar & Heisel, LLC. and its divisions and WCG Wealth Advisors, LLC do not offer tax or legal advice.\u00a0<\/span><\/p>\n

      TH-230027<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

      The road to practicing dentistry or medicine is indeed a long one, filled with challenges \u2013 both academic and financial. 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