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What is Dividend Paying Whole Life Insurance?
Life is full of uncertainties, and that's where insurance steps in, offering protection against life's unexpected turns. One such protective product is dividend-paying whole life insurance.Key Article Takeaways Understanding Whole Life Insurance Understanding...
Best Whole Life Insurance for Infinite Banking
If you are looking to build wealth and financial stability over the long term, you may have come across the infinite banking concept or infinite banking system. Infinite banking is a financial strategy that involves using a whole life insurance policy as a tool for...
Secondary Market Annuities – The Complete Buyer’s Guide
Are you curious about what a secondary market annuity is? You're in the right place! This article is designed to help you explore these financial tools, even if you're new to finance. You don't need any special knowledge or background—just a willingness to learn and...
Disability Waiver of Premium Life Insurance Rider
Life insurance policies are designed to provide financial security to your loved ones in the event of your death. However, life is full of uncertainties, and one of the ways to tailor your policy to your specific needs is by adding riders. One such rider that can...
What is a Long Term Care Insurance Rider?
A long-term care life insurance rider is a valuable addition to a life insurance policy that can provide essential financial support in the event you require long-term care services. This article aims to provide a comprehensive understanding of long-term care life...
Accidental Death Benefit [Explained]
The accidental death benefit rider is a very popular option to add to a life insurance policy. The rider is inexpensive and there is no additional underwriting required. Most life insurance companies offer the rider as a multiple of the policy’s death benefit. With...
Life Insurance with Critical Illness Rider
Life insurance can be a vital part of your financial planning and provide your family with peace of mind in the event something should happen to you. But what if something happens to you, and it is not death? This is where life insurance with critical illness rider...
What is an Accelerated Death Benefit?
Life insurance policies provide financial security to your loved ones after your death. However, what if you are diagnosed with a terminal illness and require immediate access to funds to cover medical expenses and end-of-life care? This is where accelerated death...
Life Insurance Riders 101
Optional additions to a life insurance policy, known as riders, can provide additional coverage or benefits not otherwise available. By personalizing your policy with riders, you can better suit your needs and those of your loved ones. Some riders will increase the...
The 4 Percent Rule – Is it Even Necessary?
Retirement planning is a complex and important process that requires careful consideration. A key concept in understanding retirement savings is the 4 Percent Rule, which can provide an estimate of how much money you can withdraw from retirement funds each year...
Fixed and Variable Annuities [101]
If you are not familiar with Fixed Annuities and Variable Annuities but are considering investing in annuities to accumulate wealth for retirement, we've got you covered. An annuity is an agreement (contract) between an individual and an insurance company. The...
Why Consider High Yield Annuities
Why Consider High Yield Annuities High-yield annuities will generally provide interest rates from a half point to two points better than the rates offered by CDs. This same difference in interest rates also exists between high-yield and regular fixed-yield annuity...
How to Use Life Insurance to Build Wealth for Retirement
How to use life insurance to build wealth for retirement. As we prepare for our retirement, one of the most significant concerns we all face is the question of how to accumulate enough wealth to enjoy a comfortable and secure lifestyle. While many people focus on...
What is Participating Whole Life Insurance?
Whole life insurance is a type of life insurance policy that offers coverage for the entire lifetime of the policyholder. It is designed to provide financial security and peace of mind to policyholders and their families in the event of the policyholder's death.Easy...
Life Insurance Retirement Plan [LIRP] Pros and Cons
A life insurance retirement plan or LIRP is a powerful wealth accumulation tool used by individuals looking to build their own private pension plan and reduce their income tax liability during retirement. With the unreliability of social security and the uncertainty...
Life Insurance Dividends – Frequently Asked Questions
Life Insurance Dividends are payments that policyholders of permanent life insurance can receive from their life insurance company on an annual basis. The dividend amount you receive is calculated as a percentage of your policy’s value, and this percentage can...
OneAmerica | Company Review
OneAmerica is a leading provider of life insurance products, including term and whole life policies. The company offers a wide range of educational materials and tools on its website to help consumers make informed decisions about their life insurance needs. ...
How to Use Whole Life Insurance as Collateral
We receive many calls and comments asking how to use whole life insurance as collateral for a loan. If this interests you, keep reading. If you want to start a business or borrow money for another purpose, you could get help from an unexpected source: your life...
Why Use Whole Life Insurance for Retirement
If you are like most hard-working Americans, you’ve likely developed a strategy for your retirement using traditional retirement plans like a 401(k), 403(b), IRA, or even a Roth IRA. Each of these plans makes sense for retirement because they force the account holder...
Penn Mutual Life Insurance Review
Penn Mutual is a mutual Life Insurance company, which means that it only answers to policyholders, not shareholders. This way, the company can focus on making decisions for its customers without having to look out for investors' needs. Easy Article Navigation About...
Whole Life Insurance – Quick Consumer’s Guide
Of all the different types of life insurance products available, Whole Life insurance is considered to be a foundational product. Also known to many as “ordinary life” or “straight life”, whole life has been surpassed by newer products that will provide the same...
Northwestern Mutual Life Insurance | Company Review
Northwestern Mutual Life Insurance - Company Review Although life insurance is a critical step to protect your loved ones when you’re no longer there, it’s also a critical strategy to implement when planning for retirement. With tax and spend legislators growing the...
Retirement Planning – What is a 702(j) Plan?
You probably don't know what a 702(j) account is, but that's okay. It's one of those wacky marketing names you'll be hard-pressed to find discussed in financial advice columns or retirement planning blogs. Easy Article Navigation What is a 702(j) Retirement Plan?...
What is Infinite Banking? – Be your Own Bank
Infinite banking is a new approach to finance that lets you become your own bank. This method has been developed by economist Nelson Nash and gives you the flexibility to access your money anytime by borrowing from yourself and paying back into the account. "Banking...
How to Minimize Taxes in Retirement – 5 Important Ways!
Do yourself a favor and learn how to Minimize Taxes in Retirement. Smart tax decisions can have a considerable impact on how much money retirees will have in the golden years. One of the best ways to boost returns for clients, according to a study published by...
Wealth Preservation and Accumulation with Whole Life Insurance
Wealth preservation and accumulation using Whole Life Insurance. When people accumulate wealth, they typically have a sincere desire to preserve it so they can financially protect future generations. One way to do that is by using life insurance. Life insurance is a...
Solid Strategies for a Tax Free Retirement
Does the idea of a tax-free retirement sound appealing? If so, you're not alone. With taxes on your income and investments as well as an ever-increasing life expectancy, it's more important than ever to know how to avoid paying taxes when you retire. This article...
Remarkable! Use Permanent Life Insurance in Retirement
How to use permanent life insurance in retirement planning. Once you become an empty-nester and had your mortgage-burning party, you might decide that you don't have to keep your life insurance anymore. Maybe, or maybe not. If your life insurance was purchased solely...
Whole Life Insurance – A Battery of Benefits for a Lifetime
Whole life insurance benefits and rewards. Whether you are anticipating an eventual market crash or even a collapse of the economy, whole life insurance is one particular insurance product that should occupy your toolbox for financial survival. Not just survival,...
How Safe Are Annuities?
The sweeping concern for most is the long-term security of insurance carriers. More people are concerned with the financial competence and stability of the insurance companies, especially since the stock market crash of 2008, so how safe are annuities? However,...
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?
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
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
Choosing a beneficiary is important and updating it when appropriate is critical. 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...
What is a Rider on a Life Insurance Policy?
Probably the most popular form of life insurance today, Term Life Insurance is heavily advertised by all the major players because of its affordable rates. This is the perfect product for young, growing families who may be creating a lot of debt. Since the...
Transamerica Life Insurance | Company Review
Transamerica Life Insurance, an enormous corporation originating from San Francisco, offers both financial and insurance services by way of its several subsidiary companies. It was developed by merging a life insurance company with one of the U.S.’s largest banks....
Whole Life Insurance | The Consumer’s Guide
Of all the different types of life insurance products available, Whole Life insurance is considered to be a foundational product. Also known to many as “ordinary life” or “straight life”, whole life has been surpassed by newer products that will provide the same...
Paid Up Additions | The Key to Cash Value
If you are considering creating a life insurance retirement plan (LIRP) so you can avoid the impact of taxes on retirement income, using a Whole Life Insurance policy can definitely get you there but paid-up additions will be key. In David McKnight’s book, The Power...
What is Second to Die Life Insurance?
What is Second to Die Life Insurance? Most people are familiar with basic life insurance like term insurance and whole life, but when we get outside the basic life insurance terms, things can get confusing. What makes things even more confusing is that most types of...
What are Life Insurance Settlement Options? [Life Insurance 101]
What are life insurance settlement options? When most beneficiaries are due a settlement option from a life insurance policy, the typical response is “it’s my money, and I want it now!” Life Insurance settlement options (normally chosen by the policy owner) are...
Limited Pay Life Insurance versus Regular Whole Life
Limited Pay Life Insurance versus Regular Whole Life Although a large portion of the general public is more interested in the monthly premium for life insurance, there are many who consider the product and the company ahead of the cost. Deciding on the type of...
Life Insurance with Living Benefits – The Perfect Plan B
Life Insurance with Living Benefits We have written in previous articles about the benefits of using Whole Life Insurance in a Life Insurance Retirement Plan (LIRP) and how you can accumulate enough wealth for a comfortable income stream that is tax-exempt. But what...
Is Whole Life Insurance a Good Investment for Retirement? 6 Critical Rules
Question: Is whole life insurance a good investment for retirement? Answer: If you are considering using Whole Life Insurance as part of your retirement planning (and you should), there are 6 critical rules you must follow to get the tax benefits when it comes to...
Permanent Life Insurance in Retirement Planning
Why should you consider Whole Life Insurance in retirement planning? Simple, life insurance can help. Most folks are under the impression that once your kids grow up and leave the nest that’s finally been paid for, you won’t really need life insurance but you can...
Secondary Market Annuities | Frequently asked Questions
What if you discovered a strategy where you could earn a considerably higher rate of return in the annuity market. Would that be important to you? Additionally, would it be important for you to have guaranteed returns on that annuity?And finally, what if you could...
LIRP – IUL or Whole Life
Does it concern you that your retirement income could be severely impacted by your tax liability when you retire? With the amount of debt owed by the US government (taxpayers), do you really believe that you’ll pay a lower tax rate on retirement income? Are you being...
Achieve the Power of Zero using Life Insurance – Pay Zero Taxes on Retirement Income
Let’s be realistic. Believing that your personal tax rate years from now will be lower than what it is now is unrealistic. Think about it. Our country’s debt continues to climb and the interest on that debt combined with entitlement spending is eating up all of the...
What is a Self-Directed Annuity?
Primarily used as a stream of income for retirees, an annuity is a financial product that distributes fixed payments. Annuities are offered by financial institutions. The accumulation phase of an annuity begins once its first funded and ends with a payout. Once...
Pacific Life Insurance Company Review
If you are shopping for life insurance, is it important to you that the company has all the bells and whistles along with great service and competitive rates? Of course, it is, and knowing this, we'll continue with our series of life insurance reviews so that...
American National Insurance Company
Life insurance is primarily known for the death benefit it will pay to your beneficiaries in the event of your death. This death benefit can be the difference between your surviving loved ones being able to continue their standard of living or dealing with financial...
Lincoln Financial Group – Company Review
Whether you are shopping for low-cost term insurance or an Indexed Universal Life policy, you must know who you are getting in business with. Like any company that sells products or services, some are really great to do business with and some can easily...
What is a LIRP? | Investing for the Rest of Us
What is a LIRP? | Investing for the Rest of UsPlanning and investing for retirement is all about choosing the best plans that will facilitate wealth accumulation that will be minimally impacted by income taxes when the time comes to withdraw your money.There are...
What is a Secondary Market Annuity?
What is a Secondary Market Annuity? In simple terms, a secondary market annuity (SMA) is a transaction where the present owner of an annuity contract that produces income trades their future annuity payments for a lump-sum payment from another party.Easy...
Secondary Market Annuities – Pros and Cons
Pros and Cons Secondary Market Annuities - Pros and Cons A secondary market annuity, also known as a structured settlement, is a transaction where the present annuity owner exchanges his or her future income payments for a lump-sum cash payment. These annuities...
How to Buy Secondary Market Annuities – 10 Great Tips
The odds are very good that you will have a very straightforward goal in mind when you decide to start shopping for a Secondary Market Annuity (SMA): to make the best choice at the ideal price and that you've done the right thing for your circumstances. For some...
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