² Some term policies offer a return of premium rider. These riders are uncommon and generally result in a higher premium in the policy.
³ Participating WL policies offer several dividend options to consider (e.g., purchase PUAs, pay out as cash, earn interest, pay premium, pay policy loan, purchase term insurance, etc.).
⁴ While an IUL can never have a negative rate credited due to poor performance, the overall cash value can still decrease if policy charges are in excess of the cash value growth in any given year.
⁵ A policy can become a modified endowment contract (MEC) if it fails the 7-pay test. A MEC loses some tax advantages compared to a non-MEC policy.
© fpPathfinder.com. Licensed for the sole use of Archford Capital of Archford®. All rights reserved. Used with permission. Updated 12/15/2025.
About Archford®
Archford® was built around the mission of “Taking Care of Families”. CEO and Founder Jim Maher grew up in a family business, which inspired him to seek a diverse professional background with secured licenses in law (JD), accounting (CPA), insurance, financial planning, exit planning and retirement planning. While acquiring these designations and degrees, he realized how important it was for all of these areas of a person’s life to be interconnected for financial success. Archford® provides wealth management, retirement planning, business consulting, accounting, data management and philanthropic services all under one roof. This unique service model enables the team to collaborate daily to help clients save time, save money and make money.
