Whole life’s combination of features, such as simplicity, premium and cash value guarantees and low risk, is proving to be a winning one, according to Ashley Durham, senior analyst for product research at LIMRA.

LIMRA’s “U.S. Individual Life Insurance Sales” report shows that individual whole life insurance surged 12% in Q3 2009. “Mutual companies, which represent two-thirds of whole life sales, continue to fare better than the public companies, growing 14% for the quarter,” she says.

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