Making a smart and thoughtful decision in choosing your life insurance can help you and your family big time as you continue through life. But when you’re shopping for life insurance, you may be uncertain of where to start and what features to seek. Consider this guide, a quick overview of how to buy life …

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“A good person leaves an inheritance to their children’s children, but a worthless person’s wealth is stored up for the righteous.” This verse from Proverbs 13:22 is a reminder for us to take into serious consideration what kind of legacy we are creating, not only for ourselves, but for our children and grandchildren as well. …

Continue reading “Index Universal Life Insurance: Complex, False and Deceptive Products”

When shopping for a life insurance policy, you’ll first want to consider what type of life insurance is best for you. There are a variety of life insurance types, each with its pros and cons, but some of the more well-known policies are term life insurance and whole life insurance. Whether you need term life …

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Indexed Universal Life (IUL) insurance is all the rave these days. The speculative component, though not guaranteed, is attractive to many consumers. While the commissions earned on these products are attractive to the agents. “They say” IUL is a better buy and Participating Whole Life Insurance (PWLI) costs too much. So, let’s look and see… …

Continue reading “The Cost of Life Insurance”

An Introduction to the Infinite Banking Life Insurance Concept by Ben T. McFie The Infinite Banking Concept (IBC) or infinite banking life insurance is outlined in the book Becoming Your Own Banker by R. Nelson Nash. My introduction to infinite banking life insurance was on a family vacation to San Diego, California in 2005. I …

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 Planning for the future is critical in a world of uncertainty. Now what if there was a life insurance policy that provided more than just the death benefit? What if it could help you meet your financial goals during your lifetime and help you set up your family for success after you pass? Well, let’s …

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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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What Are The Benefits of Life Insurance? There are plenty of debate topics surrounding life insurance, such as which type of life insurance is best, how to set up a policy, how to use your policy, and much more. However, most agree that having life insurance is important for (1) funding a funeral and miscellaneous …

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Did you know, that a withdrawal from any type of Universal life insurance policy, is substantially different than a withdrawal from a Whole life insurance policy? Policy loans may also affect universal life insurance and whole life insurance products differently. On this show you’ll hear what you need to know about policy loans and withdrawals. …

Continue reading “Life insurance policy loans and withdrawals (tax consequences and details your agent may not have told you)”