Whole Life as a Financial Foundation
At 32, Sarah had already checked the usual boxes — maxing out her retirement accounts and building a solid income. But she wanted something more: a safe, predictable way to grow wealth, access funds when needed, and still protect her future family. The solution she found became more than just life insurance — it became the financial foundation for the next chapter of her life.
Andrew Perez
September 17, 2025
Client profile
Age
32
Occupation
Software Engineer
Marital Status
Single, no children (but plans to start a family in 5–7 years)
Annual Income
$160,000
Challenge
Sarah was looking for a way to start building long-term financial security. She had maxed out her Roth IRA and 401(k) contributions but wanted an additional “safe bucket” of money that would grow predictably, could be accessed in case of emergencies, and still provide life insurance protection.
Solution
- Policy Type: Whole Life with Paid-Up Additions (PUA) Rider
- Face Amount: $750,000
- Premium Design: High Early Cash Value Structure with PUA funding for 7 years
Why It Worked
The policy provided guaranteed cash value growth that Sarah could borrow against for future needs (like a down payment on a home or funding a new business idea). The tax-free growth and death benefit also offered a hedge against future tax rate increases.
Outcome
After 10 years, Sarah has over $100,000 of accessible cash value she can use strategically — without triggering a taxable event. She appreciates the flexibility and plans to keep funding PUAs to maximize long-term growth. She also likes that the coverage can serve as the foundation of a future family protection plan, with the ability to layer term coverage later if needed.