Tamper with your expectations.

That is the only way you will feel happier.

At least that is when you look at the bonus you can get from your insurance policies when they mature.

In recent weeks, we have been seeing a lot of discussion with regards to more transparency and communication on how much non-guaranteed bonuses the insurance policies are providing to policy holders.

Policyholders are not very happy that they are not getting the kind of returns what they THINK they should be getting.

Cash Value Policies

For the uninitiated, we can group insurance protection into 2 groups, those with cash values and those without cash values.

Your whole life insurance, limited whole life insurance, insurance savings endowments and universal life policies are policies with cash values.

When you buy such policies, you are TRANSFERRING the job of building wealth to the insurance company.

Your insurance premiums paid contribute ...