A Game-Changer for Your Whole Life Business: Instant Issue with Paid-Up Additions

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September 10, 2025
Published by: Christy Downs

Whole life insurance is a cornerstone of financial planning, providing clients with guaranteed premiums, a guaranteed death benefit, and guaranteed cash value growth. But let's be honest, the underwriting process can sometimes feel like a roadblock. What if you could offer your clients the stability of a whole life product with the speed and efficiency of an instant-issue policy?

That's where a product like the new Foresters LiveWell Plus comes in. It's a brand new participating whole life product with a new kind of instant decision, instant issue underwriting process. This means you can apply, get an instant underwriting decision, and your client can have their policy delivered to their inbox in a single session. No more waiting weeks for a decision.

The Power of Paid-Up Additions (PUAs)

For life insurance agents, a key feature to look for in a whole life product is the Paid-Up Additions (PUA) rider. PUAs are an optional way to make additional premium payments that buy small, fully paid-for amounts of permanent life insurance. This "mini" whole life policy has its own cash value and death benefit, which immediately get stacked onto the base policy.

Here’s why PUAs are so powerful:

  • Accelerated Cash Value Growth: PUAs are a secret weapon for agents looking to build a client’s cash value faster. While a traditional whole life policy may take years to break even on cash value, funding a PUA rider can significantly cut that time.
  • Enhanced Death Benefit: Every PUA payment increases both the policy’s cash value and the death benefit. This is a simple and effective way for clients to leave a larger legacy for their beneficiaries without increasing their base premium.
  • Dividend Compounding: When a participating whole life policy pays dividends, clients can choose to use those dividends to purchase even more PUAs. This creates a powerful compounding effect, as the new PUAs earn their own dividends, which can then be used to buy even more insurance, and so on.
  • Flexible Access: The cash value from PUAs can be accessed through policy loans or withdrawals to help with unexpected expenses, supplement retirement income, or fund a child's education.

The Best of Both Worlds

A product that combines instant issue underwriting with the flexibility of a PUA rider is a truly powerful tool for life insurance agents. It streamlines your sales process and meets clients' expectations for speed and simplicity while offering the long-term value and guarantees that whole life insurance is known for. For your clients, it’s a way to get lifelong protection and build wealth more efficiently.

Ready to Start Selling?

Foresters is offering a special "Cash Craze" incentive on the LiveWell Plus product through September 30th.

  • Earn $50 for each of your first five issued and paid LiveWell Plus applications.
  • Earn $100 for every issued and paid application from your sixth one onward, with no cap.

This incentive is on top of your regular compensation and can help you get a great start with a new product.

To learn more and get appointed, visit our website or contact our team today!

Important Disclosure: This article is for informational purposes only and does not constitute financial or tax advice. You should always consult with a qualified financial professional or tax advisor to determine what products and strategies are suitable for your individual circumstances. Neither FFP Insurance Services nor RevolOne, nor their representatives, provide tax or legal advice.