A lot of people are being encouraged to own Indexed Universal Life policies or “IULs”. IULs are life insurance policies that grow a cash value over time – similar to a whole life insurance policy. However, unlike whole life insurance policies, IUL
Category: Life Insurance
Insurance on a person that makes a financial payment to a beneficiary or beneficiaries when the insured person dies. Depending on the type of life insurance, may also include living benefits that the insured can take advantage of during their life.
When would you like to retire? At 65? 55? 45? Well, depending on your answer and how old you are now, you can calculate how much you have to save and invest each month to create an acceptable passive income stream
Life insurance is an important part of any financial plan. This may include term life insurance as well as permanent life insurance such as whole life and universal life insurance. All life insurance provides a safety net for your loved ones in
The “buy term and invest the difference” strategy became popular a few years ago in some circles as a way to save money on life insurance premiums while still investing for the future. The idea behind the strategy is simple: instead of
Life insurance is an important financial product that provides protection for your loved ones in the event of your death. It is essential to regularly review your life insurance policy to ensure that your policy is still aligned with your current
When it comes to protecting your home and your mortgage, you may have come across the terms private mortgage insurance ( PMI) and mortgage protection insurance (MPI). While these two types of insurance may seem similar, they actu ally ser ve
I protect individuals, families and businesses from six common threats that can loom in anyone’s future at any time. Whether we are young or old, these threats can impact our ability to save, pass on wealth, continue business as usual and
Disability Income Insurance (18 years and older) 18 years old and older: If you are old enough to work, you can benefit from knowing that the lion’s share of your income will continued to be paid should you
When purchasing life insurance, annuities and other financial products such as disability income or long-term care insurance, you can choose to use the services of three types of agents. Here are the three different types of agents and why
An estate is the legal entity that is left in the world after a person passes away. With early planning during the person’s life, an estate can provide a lasting legacy for future generations of wealth. Without planning, estates can be subjected