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In the mid to late 1970’s DMSO was greatly sought out by athletes and arthritis sufferers as a remedy for joint pain.  The major problem was, it was illegal to purchase DMSO for human usage, and so you had go to a vacuum or sewing machine repair shop to purchase it. DMSO was frequently used …

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Recently a southern state spent $214 million over a four-year period to hopefully improve the reading proficiency of fourth grade students. The results were dismal.  According to the Nation’s Report Card, only 1 out of 3 of this state’s students improved their proficiency and their fourth graders fell from 39th place to 47th place nationally.[i] …

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It’s been twenty-one years since Transamerica Life Insurance Company released and sold their very first Indexed Universal Life Insurance Policy (IUL).  Today there are over 40 insurance companies that have followed suit realizing, that by taking Transamerica’s lead, they can increase their profits (the insurance company’s profits) while assuming less risk.  And while this means …

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2018…It was a year that recorded multiple historic highs as well as the largest single-day gain in history. But it turned into a loss for most investors. In fact, according to MarketWatch, 90% of the 70 asset classes cited in the Wall Street Journal posted negative returns for the year.  The previous worst time in …

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Ouch!  The market had a hiccup last week giving up nearly all the gains it attained over the summer. Now, maybe you don’t have enough in the market to worry about that hiccup or maybe you have enough invested that you now feel you need to hold on until this market recovers and you regain …

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So many ways to invest – so many opinions – where should you start? For most people, investing will start with things they’re already purchasing in their life. What about a home with a mortgage as an investment? Is this a liability or an asset? What about business expansion or business ideas? What about stocks, bonds …

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We are always getting new material proposed to us by the insurance companies about new products or marketing suggestions. Recently an email came in, from a company we don’t represent, suggesting that permanent life insurance is a great way to sustain your income when the market drops and you find yourself eating away at the …

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Definition of Terms QUICK TIP: You can use your keyboard command (Ctrl + F) on your Windows or (Cmd + F) on a Mac to search this page.  Terms you will find on our website: Your Financial GAME™ (YFG): A trademarked phrase of Life Benefits, Inc. and Your Wealth Team G = Guaranteed A = …

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Today I spoke with a clinical scientist who wanted a second opinion concerning an Indexed Universal Life (IUL) insurance policy that had been suggested for him as something that would perform better than if he contributed to his employer’s 401k plan.  And with his expressed permission, here is his estimation of the IUL, “This is …

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Advocating the ability to leverage your life insurance policy for needed cash flow or investment capital has become a common approach for the life insurance industry to promote and sell higher premium life insurance products.  Whether those products be some form of universal life or high cash value whole life, the novelty that you can …

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