--- title: What are the guarantees? description: There is a guaranteed premium that never changes and should be paid for as many years as possible, but there are options to stop paying it. There is a guaranteed cash value that is a dollar figure (no --- [Skip to content](https://info.prosperitythinkers.com/migration/knowledge/what-are-the-guarantees#main-content) English Show submenu for translations Prosperity Thinkers™, LLC Open main navigation Close main navigation - English Show submenu for translations - Contact us Contact us How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://info.prosperitythinkers.com/migration/knowledge?hsLang=en) 2. [How Does it Work?](https://info.prosperitythinkers.com/migration/knowledge/how-does-it-work?hsLang=en) # What are the guarantees? There is a guaranteed premium that never changes and should be paid for as many years as possible, but there are options to stop paying it. There is a guaranteed cash value that is a dollar figure (not an interest rate). And there is a guaranteed death benefit. That being said, since most insurance companies have paid dividends annually for decades, you can be confident in focusing on the non-guaranteed columns. - [What Is Whole Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-is-whole-life-insurance?hsLang=en) - [How Does it Work?](https://info.prosperitythinkers.com/migration/knowledge/how-does-it-work?hsLang=en) - [Is Whole Life Insurance Right for Me?](https://info.prosperitythinkers.com/migration/knowledge/is-whole-life-insurance-right-for-me?hsLang=en) - [What About Term Life Insurance?](https://info.prosperitythinkers.com/migration/knowledge/what-about-term-life-insurance?hsLang=en) - [How to Setup my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-setup-my-policy?hsLang=en) - [How to Use my Policy](https://info.prosperitythinkers.com/migration/knowledge/how-to-use-my-policy?hsLang=en) - [Building Generational Wealth](https://info.prosperitythinkers.com/migration/knowledge/building-generational-wealth?hsLang=en) [![Prosperity Thinkers logo](https://info.prosperitythinkers.com/hs-fs/hubfs/small%20pt%20logo.png?width=88&height=66&name=small%20pt%20logo.png "Prosperity Thinkers logo")](https://info.prosperitythinkers.com/?hsLang=en) [mailto:email@email.com](mailto:email@email.com) Copyright © 2026, Prosperity Thinkers™, LLC