Sullivan Life Insurance Agency's goal is to help every client make a well-informed decision whether, or not, a participating whole life insurance policy meets their unique needs. 

Once the client has requested recommendations for a participating whole life insurance policy, Sullivan Life Insurance Agency will provide multiple options for the client to consider.

The client making the decision to purchase a whole life insurance policy should understand the following items prior to acting upon Sullivan Life Insurance Agency's, or any life insurance, recommendation:

1) Dividends are NOT Guaranteed!

2) Any Guarantee included in any whole life insurance policy are backed solely by the claims paying ability of the selected insurance company.

3) A participating whole life insurance policy is NOT an investment. It is a fixed, liquid asset with guarantees attached unique to each individual policy.

4) The costs of owning the selected life insurance policy, including a detailed explanation of the recommending agent's commission. 

5) How the agent designed the funding of the recommended whole life insurance policies to meet the unique needs of the client's plan. This understanding should include the strengths and weaknesses of each recommended policy and funding plan.