Insurance Tips

Life insurance is a waste of money

Structuring the perfect life insurance policy

Structuring the perfect life insurance policy is not about buying a term policy vs a permanent policy. It is not about why a index universal life policy may be bettor or worse than a whole life policy. Structuring the perfect life insurance policy is about determining a need for life insurance and developing a game.. More

A smart way to buy term life insurance

Six reasons why singles need life insurance

Six reasons why singles need life insurance Should someone who is single with no kids consider life insurance? There are 6 reasons why singles need life insurance. Remember life insurance is about planning your future. Lets look at some of the reasons you may want to have life insurance in place. Student loan debt: A.. More

Life insurance as an investment tool

Index universal life insurance offers flexibility

Index universal life insurance offers flexibility If there is one sure bet about life insurance it is that life insurance is a fairly boring topic. Can you imagine sitting around some social setting comparing your whole life policy to your neighbors term life insurance policy? Me neither, so insurance carriers needed to come up with.. More

Life insurance with Crohn's disease

Return of Premium Life Insurance

Return of Premium Life Insurance Return of premium life insurance policies are seldom used, but they serve a niche population very well. A return of premium life insurance policy is a simple concept. A client buys maybe a 20 or 30 year term life policy. It they outlive the policy then all the premiums are.. More

Life insurance for investment purposes

A good fit for equity index annuities

A good fit for equity index annuities Any consumer researching annuities will find a lot of information about the pros and cons of the product. This is probably not much difference for any financial tool available in the market place today. There is a good fit for equity index annuities among people in their mid.. More

Life insurance as an investment tool

Cash Value Life Insurance

Cash Value Life Insurance Always one of the more debated topics with life insurance is cash value life insurance or permanent life insurance. Not only the idea of permanent life insurance vs term life insurance. But also what type of cash value life insurance policy is the best option. What is Cash Value Life Insurance?.. More

A good fit for equity index annuities

The Life insurance rider everyone should include in their policy

The Life insurance rider everyone should include in their policy The Life insurance rider everyone should include in their policy is long term care. This is especially true for anyone buying a permanent life insurance policy like index universal life, whole life, etc. Many people have the daunting decision about buying a long term care.. More

Index universal life insurance offers flexibility

Tax Free Retirement Income

Tax Free Retirement income Many of the proponents of permanent life insurance use the selling point of tax free retirement income being a unique advantage of permanent life insurance. The concept being that the growth of your funds in the “Cash Value” account not only grow tax deferred, but are borrowed against tax free. As.. More

An easy non medical exam term life insurance policy

An easy non medical exam term life insurance policy

An easy non medical exam term life insurance policy Sometimes clients just need an easy non medical exam term life insurance policy. We have discussed in the past the differences between term life and permanent policies. Today we are just going to look at the mechanics of a simple non med term policy and where.. More