Dividend Elections Explained: The 5 Choices (and Why PUAs Win)

Dividends aren’t hype, they’re math. In this episode, we break down the 5 dividend elections on participating whole life:
Pay in Cash
Premium Reduction
Dividends on Deposit
Paid-Up Additions (PUAs)
Enhanced/Blended options (term + auto-convert)

You’ll see why “boring and smooth” wins: mutual ownership, surplus, smoothing, and why thinking like an owner compounds results, especially when dividends buy more PUAs.

Free resources:
• Don’t Spread the Wealth, keep money in the family: www.dontspreadwealth.com
• Cash Follows the Leader, uninterrupted growth: www.cashfollows.com
• Grow Your Own Capital, PUAs for builders: www.growyourowncapital.com

Explore the world of investing and finance with a focus on dividend stocks. See how these strategies can help with wealth creation and unlock financial freedom. Learn the power of passive income in the stock market.

Chapters
03:50 The 5 dividend elections overview
08:16 Option 1: Paid in Cash—pros, cons, tax
11:26 Option 2: Premium Reduction—why Nelson changed it
16:35 Option 3: Dividends on Deposit—tax + lost compounding
18:40 Option 4: Paid-Up Additions (PUAs)—the growth engine
25:05 Option 5: Enhanced/Blended, when it fits

#InfiniteBanking #WholeLife #Dividends #PaidUpAdditions #MutualCompany #WealthStrategy #CashValueLifeInsurance #Richardcanfield #jaysonlowe