#1 MassMutual

Wantong Mutual Life Insurance Company LOGO (Details)

We ranked MassMutual as the first in terms of savings and dividend policy products with increasing cash value.

As a reciprocal insurance company, historical data show that in the past 15 to 25 years, they have given the industry's highest dividends to savings and dividend insurance policies.

MassMutual was established in 1851. Its insurance product line is small and sophisticated. Whole Life is the company's flagship product.

MassMutual's savings-participating life insurance (Whole Life) offers two options: Non Direct and Direct Recognition.As of press time, this is the only life insurance company in the industry that offers both lending options.

Vantone Life's financial situation

• Approximately $2018 billion in 16 spending and dividends
• In 2018, the dividend yield of savings-participating policies was 6.40%

Wantong Life Credit Rating

Vantone Life's historical dividend rate*

^*Dividend Interest Rate (DIR)NotThe rate of return on the policy, the rate of return on the policy, or the rate of return on the cash value of the policy.It is determined by the insurance company unilaterally according to the year according to the financial situation of the financial insurance company.The dividend yield can be changed, and there is no guarantee whether there will be a dividend or how much the dividend will be.

For life insurance products like savings and dividends, the dividend yield of 2018% in 6.4 is one of the highest standards in the industry.At the same time, this type of insurance policy also provides cash value growth methods that are not directly included.Therefore, we awarded Vantone Life the first place.

#2 PennMutual

Pennsylvania Mutual Life Insurance Company [Details]

Penn Mutual is fully capable of ranking first.But there can only be one in the first place, and the editors of the American Life Insurance Guide website are also very embarrassed when it comes to selection.Penn Mutual Life Insurance was established in 1847. It is an established reciprocal life insurance company. In the past 10 years, Penn Mutual Life has provided an extremely stable dividend interest rate.In the entire savings and dividend life insurance industry, its policy yield performance has always been in the best echelon.

The only reason for Penn Mutual Life’s failure to win the first place is that the editor of American Life Insurance Guide believes that under the goal of "cash value growth", Penn Life’s savings and dividend policy is a "direct credit" type, which is not satisfied. The ultimate evaluation standard for cash value growth.

Pennsylvania Life Financial Status

• 2015 sales of $23 billion
• 2015 net income of $2.09 million
• In 2018, the dividend rate of savings and dividend policies is 6.34%

Pennsylvania Life Credit Rating

Penn Life's historical dividend yield

^*Dividend Interest Rate (DIR)NotThe rate of return on the policy, the rate of return on the policy, or the rate of return on the cash value of the policy.It is determined by the insurance company unilaterally according to the year according to the financial situation of the financial insurance company.The dividend yield can be changed, and there is no guarantee whether there will be a dividend or how much the dividend will be.

Pennsylvania Life has strong financial statements, credit ratings, and historical dividend performance.In addition, Penn Life’s customer service center is also very friendly to policyholders. As a reciprocal insurance company, when you call as a customer, you will be served by a professional broker directly.

#3 New York Life

New York Life Insurance Company LOGO (Details）

New York Life(New York Life) was established in 1845 and is one of the largest mutual insurance companies in the United States.The core product of New York Life Insurance Company is Whole Life.

At present, the actual dividend yield of 6.2% provided by New York Life is very attractive.New York Life is a professional captive insurance company (Captive Insurance Company), so only New York Life's own life insurance brokers can sell their products.

New York Life's savings and dividend insurance policies are "not directly credited" types, which provide additional space for cash value growth.

New York Life Financial Status

• $2016 billion in dividends paid out in 17, the highest in company history
• In 2018, the dividend rate of savings and dividend policies is 6.2%

New York Life Credit Rating

New York Life's historical dividend yield

^*Dividend Interest Rate (DIR)NotThe rate of return on the policy, the rate of return on the policy, or the rate of return on the cash value of the policy.It is determined by the insurance company unilaterally according to the year according to the financial situation of the financial insurance company.The dividend yield can be changed, and there is no guarantee whether there will be a dividend or how much the dividend will be.

As an established American life insurance company, New York Life has a good historical performance in its core products, maintaining a dividend yield of 4% in the past four years.In the ranking of the best savings and dividend-sharing life insurance companies in 6.2, we awarded it the third place.

#4 Guardian Life

New LOGO of Jiading Life Insurance Company

Guardian Life Insurance Co. of America, founded in 1860, is an established insurance company with a long history.It is one of the largest reciprocal insurance companies in the United States and one of the Fortune 500 companies.In 2018, Guardian Life Insurance Co. of America (Guardian Life Insurance Co. of America) replaced the company's brand LOGO and adopted the new brand image shown above.

The dividend yield of Jiading Life's savings and dividend insurance policies in 2018 was 5.85%, the highest in history reaching 10.25%.Jiading Life's savings and dividend insurance policies are "direct credit" types, which do not meet the extreme cash value growth evaluation criteria.

Jiading Life's financial situation

• $2016 million in dividends paid in 8.5
• $2016 billion in assets under management in 665
• In 2018, the dividend rate of savings and dividend policies is 5.85%

Jiading Life Credit Rating

Jiading Life's historical dividend rate

^*Dividend Interest Rate (DIR)NotThe rate of return on the policy, the rate of return on the policy, or the rate of return on the cash value of the policy.It is determined by the insurance company unilaterally according to the year according to the financial situation of the financial insurance company.The dividend yield can be changed, and there is no guarantee whether there will be a dividend or how much the dividend will be.

Guardian Insurance Company's savings and dividend insurance policies have yielded 5.85% in recent years.In the past 20 years, the overall earnings performance has reached the market average level.

#5 Northwestern Mutual

Northwest Mutual Life Insurance Company LOGO[Details]

Northwest Mutual Life Insurance Company(Northwestern mutual) Established in 1857, it is also an established insurance company with a very long history.It is also one of the Fortune 500 companies in the United States and has a top corporate credit rating.

From the historical rate of return table below, we will see that in a certain period of the past ten years,Northwest Mutual Life Insurance Company(Northwestern Mutual) inSavings dividend typeIn the field of life insurance, it has been in a leading position.

Northwest Mutual AssistanceLife insurance companies’ savings and dividend-sharing policies have a dividend interest rate of 2018% in 4.9.The highest in history has reached 20% in the past 10 years.

Northwest Mutual LifeThe savings and dividend insurance policies are of the "direct credit" type, which does not meet the extreme cash value growth evaluation criteria.

Northwest Life's financial situation

• In 2018, it paid $53 billion in dividends, a record high in the company's history
• In 2018, the dividend rate of savings and dividend policies is 4.9%

Northwest Life Credit Rating

Northwest Life's historical dividend rate

^*Dividend Interest Rate (DIR)NotThe rate of return on the policy, the rate of return on the policy, or the rate of return on the cash value of the policy.It is determined by the insurance company unilaterally according to the year according to the financial situation of the financial insurance company.The dividend yield can be changed, and there is no guarantee whether there will be a dividend or how much the dividend will be.

As one of the largest mutual insurance companies in the United States,Northwest Mutual AssistanceThe financial status and credit status of Life is the highest rated among all the five insurance companies.At the same time, although only a 5% yield in 2018, Northwest Mutual Life paid a record total of US$5.85 billion in dividends to policyholders.Northwest LifeThe rate of return of the savings and dividend insurance policies has not been the best in recent years, but from the perspective of long-term returns, XNUMX years in Hedong and Hexi in XNUMX years, we expect Northwest Life’s policies to perform better.