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
Life insurance is protected, unlike most other assets. Let’s compare – if I had a policy that had a $200,000 cash value in it, versus if I had $200,000 in a bank account in my name. Those two assets, depending upon the state that I live in, could be treated very differently. A creditor might
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
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,
A gentleman by the name of Barry James Dyke wrote a book called Pirates of Manhattan a few years ago. In it, he predicted some of the financial problems that we had in 2008 and 2009. Mr. Dyke recently wrote an article called New Life for Life Insurance-Now Could Be the Right Time to Invest
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
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
