Any recommendations on a good whole life policy that has decent returns?

If you are looking for returns on a whole life policy, your objective needs to be addressed. A whole life policy is not a tool for decent returns.

"Decent" is a relative term depending on personal risk factors and expectations.

The whole life policy is meant to guarantee protection for income in the earlier stages of life, and to protect a legacy by ensuring cash gifting to his descendents as he passes on later in life. The whole life policy structure has much legal and financial benefits to the life assured that cannot be matched by other asset classes without hefty legal fees and asset management. It is a very cost-efficient structure for the majority of people.

Returns are secondary and should not be the main consideration, largely because most, if not all of the significant returns are non-guaranteed. Endowments will work better for that purpose instead.

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Hi Anon,

There a few ways you can go about this.

For protection based Whole Life policies or endowments till 99 years old.

Whole life policies:

https://www.theastuteparent.com/2020/01/best-wh...

Whole life endowment policies:
https://www.theastuteparent.com/2019/05/aviva-m...

Either way, your enquiry is really broad, you need to find a financial adviser to sit down and discuss your needs more specifically.

You know where to find us.