Life Insurance Showdown: Par Whole Life vs. IUL Explained


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"Helping clients choose between Par Whole Life and IUL is more than just a sale – it's about guiding them to the right balance of growth, protection, and peace of mind for their financial future."

When it comes to building and protecting wealth through life insurance, both Participating Whole Life (Par Whole Life) and Indexed Universal Life (IUL) policies have unique advantages, appeal to different client needs, and require a specific approach from agents. In this article, we’ll break down the basics of both products


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What's New at Legacy

NEW! Eagle Select Final Expense Product


We've made the best of what makes us an industry leader in the Final Expense market even better. Eagle Select is designed to give you the features to meet your client's needs:

  • 100% Instant Decision eApplication – the same process you love, now more enhanced.
  • Intuitive Health Questions – tailored around each client's unique health profile, leading to more approvals and better-fit coverage.
  • Lower Premiums – your clients get even more value with competitive rates that fit their budget.

 

Product Highlights

  • 3 tiers to automatically match a client's profile
  • Eagle Select 1 & 2 – level death benefit
  • Eagle Select 3 – 2-year graded death benefit
  • Issue ages 40 – 85
  • Face amounts up to $40,000
  • Quit Smoking Advantage
  • Optional Accidental Death Benefit Rider


Agents Flyer...

Empowering Your Success: Tailored Pathways for Growth and Impact

At Evolution Insurance & Wealth Management, in collaboration with Legacy, we are committed to empowering our agents with the tools, training, and resources they need to thrive. Our approach is centered on providing unmatched support and guidance, helping agents fully understand the life-changing potential of the solutions we offer.


We are introducing three tailored onboarding platforms—Career, Independent, and Hybrid—designed to meet agents where they are in their professional journey. These platforms are built to help you deepen your expertise, serve clients with confidence, and maximize your potential for success. Whether you’re looking for the comprehensive support of our Career track, the flexibility of the Independent platform, or a balance between both with our Hybrid option, there is a path to match your goals.


By leveraging the unique resources and opportunities at Evolution, you’ll have the chance to make a profound difference in the lives of the families you serve while achieving exceptional growth and financial rewards. Stay tuned for more details on how these opportunities can elevate your career with us

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