Today I want to introduce our 3-part video series called, Retirement Risks. These videos go into depth on some of the planning that we think is critically important for generating a sustainable retirement income that you can enjoy for the rest of your life. I hope you find these videos useful. Retirement Risks Part
Over $200,000,000 of life insurance was sold recently to a billionaire in Silicon Valley. This is a record-setting life insurance policy. Prior to this, David Geffen was the person who bought the most amount of life insurance in 1990. It was a $100,000,000 policy. Click here to read a good article that talks about this
Today we're going to talk about some provisions of the term life insurance policy that many people have. Convertibility Convertibility and the conversion privilege allow an individual who has term life insurance to change or convert that policy without evidence of insurability. That means that if your health changes, you can still make the change
Bathtub Test During a visit to my doctor, I asked him, “How do you determine whether or not an older person should be put in a nursing Home?” “Well,” he said, “we fill up a bathtub, then we offer a teaspoon, a teacup and a bucket to the person ~ to empty the bathtub.” “Oh,
I want to introduce a concept that has become popular over the last few years since interest rates have gone down. It is a concept called Premium Financing, with which wealthy people can acquire needed life insurance liquidity for trusts set up for their families. Estate tax is then paid through the life insurance trust
Today I want to introduce you to a kind of graphic illustration of how whole life insurance works. It’s kind of a somewhat misunderstood product by many advisors out there and it really has some tremendously good features and attributes. I have three illustrations I wanted to introduce to everybody today. The first one shows the
Life Insurance is one of the key pieces of a successful financial plan, but have you thought about how it can be used to pay for your clients Long Term Care? The Long Term Care market has been experiencing numerous changes. Currently, only a handful of companies are selling regular long-term care insurance. Those still
Americans are trying to save money for retirement. People are trying to find the best way to do that but many are confused as to where their money should go. People are concerned about: Risk Inflation Low interest rates, or deflation Rising taxes Market volatility And people are concerned about the effect that all of
Are you among the 99%, struggling to get ends to meet or at least to wave to one another? So many people are in a position where they feel that their lifestyle and expenses consume all of their earnings. That belief is at the center of why many people don’t save money. There is a
