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

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When discussing life insurance policies, your children’s life insurance might not automatically come to mind. However, we encourage you to consider life insurance for children. Many people believe that child life insurance is mostly valuable for the parent or whoever the beneficiary is, instead of the child. While there is a death benefit (the money …

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“There is a great disturbance in the force.” First of all, the New York State Department of Financial Services has issued a warning in which they state they will be taking action against all insurers and agents who are misleading clients by using complex contracts which hide the risks associated with the purchase and ownership …

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We know that talking about life insurance can be confusing, but that’s what makes it all the more important to talk about. Amidst whatever life throws at you, life insurance provides a financial safety net for you and your family. Planning for the future is critical in a world of uncertainty. Now what if there …

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Life insurance is critical when it comes to protecting your family, securing your financial future and leaving a legacy.  Because of its importance Andrew Carnegie called Life Insurance the fourth pillar of Americanism. When talking about life insurance most people think of the death benefit.  This is because life insurance death benefits have been there …

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Universal life insurance became a popular life insurance policy in the 1980s. These policies differ from the common term life insurance policies or whole life insurance policies. So what is universal life insurance? Read on to learn about what it is, how it differs from other policies, and the challenges with this type of …

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Universal Life Insurance and especially Indexed Universal Life Insurance (IUL) is a relatively new type of insurance, and one which has created a lot of controversy. Some almost swear by it, others just as vehemently oppose it. Some like it because they say it allows them to still dabble in the market, while retaining a …

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Purchasing vacation homes, visiting grandchildren, traveling abroad, working a rewarding part-time job, and taking up a new hobby are all common goals for new retirees. The problem is most of these things cost money. In addition to your lifelong goals, unexpected medical needs or family crises will likely become an added expense during retirement. No …

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The purpose of Whole Life Insurance is to provide coverage for the insured, for their entire lifetime.  Traditionally, Whole Life Insurance is a consumer demanded product that offers more than just a death benefit by permitting the policyholder to build equity in the policy. OUTLINE: Cash Value Policy Loans Dividends Fees Do You Get both …

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Typical financial planning has forsaken one of the best financial products. Some people believe that whole life insurance does not produce a high enough return to make it worthwhile to own any longer. Typical financial planning now says, “buy term and invest the difference.” But many people are losing money because of typical financial planning! …

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