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Life Insurance Basics

Reevaluate Your Life Insurance at Retirement

Feb 24, 2014

As retirement age approaches, it's usually a good time to reassess your life insurance policies, since your needs may change then. With...

Estate and Tax Planning for Qualified Plan Assets using Life Insurance

Feb 24, 2014

Executive Summary This article discusses and compares a wide range of planning options for maximizing and transferring qualified plan...

Wealth Replacement with Life Insurance

Feb 24, 2014

More often than not, life insurance is purchased to provide financial relief to dependents in the event that a family's breadwinner(s)...

Coming to Grips with Life Insurance

Feb 24, 2014

Life insurance is one of those things you know you should pay more attention to, but can never seem to get around to doing. Part of the...

Life Insurance 101

Feb 24, 2014

This is a topic for mass debate - schools of thought reign supreme here just like in the old school of what car company do you prefer -...

Don't Believe The Hype! About Your Insurance

Feb 24, 2014

I have read perhaps thousands of articles and books on the topic of financial planning and I am still amazed at how many articles and books...

Term Conversion: A 'Permanent' Solution

Feb 24, 2014

Term insurance is typically purchased to protect a growing family from the catastrophic loss of a "breadwinner". Lower initial premiums...

Before You Let Your Life Insurance Lapse, Consider Selling It

Feb 24, 2014

Most people think that their life insurance policy has no value until they die. But a market is emerging for buying and selling existing...

How Much Life Insurance Do I Really Need?

Feb 24, 2014

Life insurance is a topic that concerns many people, yet very few actually take steps to make sure they are properly covered. According to...

Survivorship Life Insurance and Your Estate Plan

Feb 24, 2014

Benjamin Franklin wrote "in this world, nothing can be said to be certain, except death and taxes." Unfortunately, in the area of estate...

Industry Wide Term Life Insurance Pricing Changes Mean Lower Premiums for Consumers

Feb 24, 2014

In August of 2004, a Wall Street Journal article announced term life insurance rates were at rock bottom and would soon begin to climb....

Industry Wide Universal Life Insurance Pricing Changes Require Immediate Action

Feb 24, 2014

Prices are rising and availability is shrinking for some advanced insurance aged clients seeking the guarantees Universal Life Insurance...

Keeping Your Legacy Alive with Last Survivor Insurance

Feb 24, 2014

Did you know in 2004, the federal government collected more than $25 billion in estate and gift taxes? Although there is no known number...

Prostate Cancer Survivors Are Now Quickly Insurable at Standard Life Insurance Rates

Feb 24, 2014

In a recent press release that garnered little mainstream press, one major life insurer has turned what has been a difficult insurability...

Permanent Life Insurance Basis: A Forgotten Source of Tax Free Cash

Feb 24, 2014

Remember all those premiums you have paid over the years on your Whole Life (WL), Universal Life (UL) or Variable Universal Life (VUL)...

Breast Cancer Survivors Are Now Quickly Insurable at Standard Life Insurance Rates

Feb 24, 2014

In a recent press release that garnered little mainstream press, one major life insurer has turned what has been a difficult insurability...

Term, UL, VUL and Whole Life Insurance: The Differences

Feb 24, 2014

Many people are under the impression that they must buy one type of insurance, or the other. One choice or the other choice decision,...

Time to Review Your Variable Universal Life Insurance Policies

Feb 24, 2014

Equity markets have been very strong performers in 2005 and year to date in 2006. VUL policies that contain this investment component in...

The Basics of Life Insurance

Feb 24, 2014

The purpose of life insurance is to do one thing, and that is to replace the income of the breadwinner if he or she should die prematurely....

Ruminations on Term Insurance as an Investment

Feb 24, 2014

The title of this paper may have surprised you since rarely would someone call term insurance an investment. I don't sell insurance,...

Buying Life Insurance: How Much is Too Much?

Feb 24, 2014

Making decisions regarding life insurance may seem simple enough if you believe what you see and hear in television and radio...

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