E.g. data here: [https://topwholelife.com/whole-life-insurance-dividend-rate-history/](https://topwholelife.com/whole-life-insurance-dividend-rate-history/)
Even in 2008/2009, they all had roughly the same dividends as a few years prior. How are they able to do this? Are they just paying out dividends despite losing money?
I’m looking for stocks or mutual funds that also produce consistent returns, but all of them dropped significantly in 2008/2009.
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