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What is a Tax Sheltered Annuity?

What is a Tax Sheltered Annuity?

What is a tax-sheltered annuity? A tax-sheltered annuity, or TSA, is a long-term retirement plan that offers a methodical, tax-sheltered method to accumulate funding for retirement. If a person is employed by a school or other qualifying organization covered under IRC...
Why Use a Life Insurance Calculator?

Why Use a Life Insurance Calculator?

When it comes to purchasing life insurance, it’s remarkable how so many people are still using the old “10X Formula.” This outdated formula simply calls for purchasing 10 times your annual income in life insurance and you’ll be just fine. Are you kidding me? There are...
High-Risk Life Insurance

High-Risk Life Insurance

Living life can be risky, even when taking the proper steps concerning your health, diet, and lifestyle.  In fact, those regarded as high-risk are individuals with a hazardous occupation, high-risk lifestyle, hobby, and complicated medical condition.  At a certain...
Avoiding Mistakes when Choosing a Beneficiary

Avoiding Mistakes when Choosing a Beneficiary

Believe it or not, many life insurance applicants give little thought to choosing a beneficiary on their insurance policy. Think about it. The whole purpose of buying life insurance is so your beneficiary will be paid the insurance proceeds (death benefit). Shouldn’t...
What is Return of Premium Term Insurance?

What is Return of Premium Term Insurance?

Term life insurance provides peace of mind in the event that you should die unexpectedly.  However, many consumers regard term life insurance coverage as a wasteful expense because no money is returned should you survive your policy. However, the return of premium...