CLU, ChFC, AEP, RFC
Phone: 631-262-9254
Michael is now on the Governing Board of the Business Owner Resource Group
Archive for the ‘Whole Life vs Term Insurance’ Category
Everybody Wants Whole Life Insurance
Everybody Wants Whole Life Insurance
(they just don’t know it)
By Michael Fliegelman, CLU, ChFC, AEP, RFC
On some financial topics, people have become so conditioned to seeing things from a single perspective it makes them incapable of recognizing other – perhaps even better – ways of addressing these issues. The on-going fallout from the “meltdown/crisis/recession/ global-economic-funk” offers a striking example of an obvious solution that almost no one seems to see:
Why Permanent Life Insurance Will Never Go Out of Style
Why Permanent Life Insurance Will Never Go Out of Style
October 10, 2007 Source: InsuranceNewsNet,Inc.
If consumers go by price, simplicity and ease, term insurance would win the Term vs. Perm Debate that has been going on for decades. What’s not to love about term insurance?
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Posted in Mutual Life Insurance, Whole Life, Whole Life vs Term Insurance | 
Tags: Permanent Life Insurance | 
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The Tired Tirade Continues
BY JACK BOBO
Almost 50 years ago Halsey Josephson wrote a book titled “The Tired Tirade” as an answer to the critics of life insurance, particularly those critical of whole life insurance. It was an outstanding piece of work, but unfortunately it did not stop the tirade. Financial writers like Jane Bryant Quinn and self-styled critics such as Norman Davey continued the tirade for years, and now we have Suzy Orman regurgitating the same old line.
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Posted in Whole Life, Whole Life vs Term Insurance |
Tags: Life Insurance, Term Life Insurance, Whole Life Insurance |
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Whole Life Insurance: ‘The Investment Bomb Shelter for Scary Times’
Whole Life Insurance:
‘The Investment Bomb Shelter for Scary Times’
DATELINE: WASHINGTON Jan. 28
WASHINGTON, Jan. 28 /PRNewswire/ — During one of the most unsettled periods in recent financial history, author and investment guru John E. Girouard ( http://www.johngirouard.com/ ) is warning people to think twice before moving their money into bank CDs and money market funds.
He says the ultimate bomb shelter during scary financial times is your grandparents’ life insurance, called participating or mutual whole life, which dominated the industry until falling out of favor in the late 1970s, but is now coming back into style.
Permanent Life: The often maligned, seldom understood industry stalwart endures
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 Insurance
Modern Portfolio Theory,
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The Whole Story of Whole Life
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.
Executive Summary – Life Insurance as an Asset Class
Executive Summary
Life Insurance as an Asset Class:
A Value-Added Component of an Asset Allocation
Introduction
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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 »