{3:12 minutes to read} Today I want to talk about qualified plan accounts as an approach to purchasing life insurance as part of your retirement plan. Qualified plans include: 401(k); Profit-sharing; Money purchase; and Defined benefit plans. As people get older and accumulate wealth, these qualified plan accounts could potentially represent a very attractive way for
{1:20 minutes to read} Many people are trying to manage life insurance policies, whether they’re policies on their own life, or policies in a trust for which they are a trustee. You have to make the best policy decisions. The analogy that we like to use is one that involves people in a bathtub. The
{2:12 minutes to read} Some of our clients have expressed a desire to make one payment into a cash value life insurance policy and be guaranteed paid-up. For them, we have a concept called the Single Payment Plan. Putting one payment into a cash value life insurance policy is a preferred way to fund a
Sometimes when we look at things one way, we see the world with a certain landscape, but when we revisit it, we may see it very differently because of our experiences and perspective. I want to urge you to read the following article which is called "Nine Reasons You Should Take Another Look at Whole
The world of long-term health care continues to rapidly evolve as people are living longer and longer, and retirees face challenges regarding how best to protect their wealth from the cost of long-term care. Many insurance companies are leaving the long-term care business, where traditional products are risky for their capital. Less and less of
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
Our website explains why you should have whole life insurance. As a high-net-worth individual, you can be very good at developing a high return on your portfolio of investments, properties and business interests. You probably have a definite need for life insurance, but you don’t have the liquidity, or are reluctant to dip into your
Today I wanted to talk about our website, Why Whole Life. The reason for the website and our belief in the product, whole life insurance, is really based upon the experience I’ve had over approximately 30 years in the life insurance world. Whole life insurance products are rooted in guarantees, which have worked for consumers
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 video called the Basics of Life Insurance. Life insurance is kind of like the moat around your castle. It is an important part of a family’s financial foundation, yet a high percentage of people do not own life insurance, or only have life insurance through their employer. It is important
