Hesed Financial Group - 770 Account
In this example, I am using the current dividend scale for 2016. The company can, and will, change dividends every year depending on many factors, but this mostly depends on their investment results. Mutual life insurance companies DO NOT depend on the stock market, but invest in things like mortgages (not sub-prime), treasury bonds, corporate bonds, joint ventures, etc. Right now, interest rates are very low, so the dividends that they are paying are also low. For example, in the 80's life insurance companies were paying almost double than what they are paying right now. It is my personal opinion that interest rates will go up in the next few years, so mutual life insurance companies will be able to pay a better dividend, and the results will be more favorable than what I am...
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Our agent is very kind and nice, there was no "dumb" question we were afraid to ask because he will always kindly answer.
I have never met Edgar, but via email, he has always been very personable and helpful - answering my multiple questions, even when they were repeat questions to which I forgot the answers he gave previously!
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