Archive for the ‘Asset Class’ Category
Permanent Life: The often maligned, seldom understood industry stalwart endures
by Clifford P. Kitchen, CLU, ChFC, CFP, CFA, MSFS
Cliff Kitchen is an analyst for the Guardian Life Insurance Company of America, New York, N.Y. He can be reached at cliff_kitchen@glic.com.
In our market-driven society, people face wildly competing choices every day in deciding how to spend a dollar. New shoes? Kitchen remodel? College savings plans for the kids? A vacation in the Bahamas?
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Modern Portfolio Theory,
Asset Classes,
and Life Insurance1
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The Whole Story of Whole Life
Introduction
Whole life is the most versatile financial instrument ever devised for the protection of families and businesses and the creation and enhancement of wealth. To appreciate the great value of this type of life insurance protection this paper explores how it works, its uses, its benefits and the options you have in structuring a contract to meet your specific needs, and why Guardian is the company of choice.
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Executive Summary
Life Insurance as an Asset Class:
A Value-Added Component of an Asset Allocation
Introduction
_______________________________________
Do you need insurance for your entire life?
Can you rely on what you hear in popular media?
Is buying term and investing the difference really the right choice? Read the rest of this entry »
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