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What is Participating Whole Life Insurance and What are the Pros and Cons?

Understanding Life Insurance Part 2 You’ll hear many arguments for and against whole life insurance. Whole life insurance can create a cycle of cash but could have tax consequences. These are the pros and cons of the policy. But many people wonder what whole life insurance truly is and if the benefits of the policy …

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The Secure Act — What You Need to Know

What is the SECURE Act? The SECURE Act of 2019, was signed into law by the president on December 20, 2019. It is an acronym for the Setting Every Community Up for Retirement Enhancement Act. The act is a far-reaching law which will affect the way Americans can save for retirement when using tax-deferred accounts. …

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Breaking Down Paid-up Life Insurance and Paid-Up Additions

Is it just us or does paid-up life insurance sound like paid-off life insurance? Well, that’s not too far off the mark, especially when discussing paid-up life insurance features. In the insurance world we use the term paid up to talk about paid-up life insurance, paid-up additions rider, and a type of dividend option. We’ll …

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Adjusting to the New Tax Plan

The Tax Cuts and Job Acts (TCJA) bill was signed in December 2017, but many of us are still learning the ropes. The new tax plan came with a myriad of changes. We understand how it can be overwhelming to wrap your head around all these tax reforms. We also know how important it is …

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What to Know When Choosing Dividend Options

Quick Overview of Dividends         Dividends and Participating Policy Contracts In its simplest form, a dividend is money from your life insurance company to you. Often this means that you have a whole life insurance policy that pays dividends, also referred to as a participating policy contract. When it comes to dividends, …

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Open Enrollment Survival Guide: How to Shop for Individual Health Insurance

It turns out that over 88% of Americans choose the wrong plan and end up wasting more than $500 a year. Before you sign up for a plan, it’s important to understand your options, understand the health insurance market and read the fine print. Here are a few tips from Take Command Health to help …

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Should You Trust Your Financial Planner?

In his book The Black Swan, Nassim Taleb, reveals why many experts are nothing more than glorified profiteers who disseminate propaganda rather than factual and/or worthwhile information and knowledge. Taleb documents how certain professions have been cataloged as experts but are really nothing more than partisan publicists.  He enumerates by listing some of the professions …

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The White Coat Investor and Whole Life Insurance

The White Coat Investor (WCI) is a financial blog written by an emergency room doctor out of Utah. Having enjoyed, and even been entertained with the thoughts, ideas and opinions this blogger has conveyed over the years, it’s with some diffidence that I address the anti-Whole Life insurance bias which runs so prevalently in this …

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Discover the Perpetual Wealth Code™

There are many concepts and programs out in the wide world today advocating the purchase of high cash value life insurance. At Life Benefits we don’t just sell Participating Whole Life Insurance, our clients receive the best service, software, strategies and opportunities to empower them to keep and create more money. The Perpetual Wealth Code™ …

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Fruit of Your Labor

There was a break in my schedule and the weather was nice, so my daughter and I headed to the hanger to go flying for an hour or so. As we lifted off from the airfield we both noticed the visibility on this late summer day was less than clear even though the weather report …

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