Whole Life –
An Asset Class for Troubled Times
In this article I document the multifaceted asset that a whole life insurance policy is. Here you will find out why Whole Life Insurance is a financial asset, that in many ways can be a financial Swiss army knife.
CPA Wealth Provider:
Permission Slip
This article documents the concept of how life insurance can be used to allow an insured policy owner to spend and enjoy his/her wealth in a better way than if he/she did not have life insurance.
Leaving a Financial Legacy vs
Retirement Income:
How Whole Life Insurance Solves Both
This article explores the use of Whole Life as a tool to help create the optimal retirement cash flow – and – knowing that legacy values are secured, assured and guaranteed by the death benefit.
Whole Life Insurance: ‘The Investment Bomb Shelter for Scary Times’
This article documents that the “old time” Participating Whole Life Insurance is a good place to put your money in these volatile economic times. The reality of the situation is that – it has always been a good place to put your money, but now that so many are being hurt by a volatile stock market and record low interest rates. Participating whole life provides real value over someone’s lifetime.
Will Never Go Out of Style
People will continue to buy Permanent Life Insurance, while term insurance is a cheaper premium, the cost for term insurance is a cost that will on most circumstances not be met with any return on those dollars, while Whole Life will provide many different ways for a return on those dollars paid in.
Everybody Wants Whole Life Insurance
Whole life insurance is so far outside the awareness of both average Americans and the mainstream financial press that collectively “advises” them, that they have become blind to what’s been there all along.
EABR: Using Life Insurance to Prepare for Chronic Illness
This article documents the new types of riders being created as part of life insurance policies, that allow the policy to be used to help pay for the healthcare needs of the insured. These new riders will provide access to part of the death benefit of a policy while the insured is alive, to pay for expenses. The claim trigger, in this particular carrier’s version, is the inability of the insured to do 2 out of 6 activities of daily living permanently.
Forbes Article: Mutual Respect
In years past, companies such as Prudential, Met life and The Hartford became public companies, while carriers such as Mass Mutual, Northwestern Mutual and New York Life remained as Mutual Companies. This 2008 article from Forbes documents the Mutual companies that chose to stay Mutual and have done very well compared to their publicly traded rivals.
Whole LIFE: Out of the Dog House & Back in Business
Whole life insurance continues to evolve to meet the needs of clients as they deal with the many challenges and uncertainties of life. Accelerated death benefit riders exemplify how life insurance can uniquely address a broad spectrum of client needs over their lifetime. As consumers fear loss in wealth due to market volatility, taxes and inflation, whole life has begun to attract the attention of individuals looking to place their money into a vehicle that is a unique asset class which can provide value during one’s lifetime under a variety of different circumstances.
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