family bank with whole life insurance

  Discussing the family bank and whole life insurance isn’t a particularly romantic topic. Most people with life insurance policies name their spouse as the beneficiary and leave it at that. But taking out additional whole life insurance policies on your loved ones might just be the best Valentine’s giftContinue Reading

cash value insurance

Utilizing cash looks different for everyone. What’s great about owning a cash value insurance policy, also known as whole life insurance,  is that when you are ready to utilize the liquidity there are no restrictions. You can use the cash for anything you want or need, and the liberty ofContinue Reading

guaranteed insurability rider

By definition, “insurance” is a contract or policy that provides financial protection against loss. Whether it’s loss of property, a job, health, even a particular skill or unique characteristic (Betty Grable’s legs, Bruce Springsteen’s voice, etc.) or your life, insurance provides compensation for loss. And one factor that plays aContinue Reading

life insurance policy riders, top 5 insurance policy riders

“Life insurance policy riders? You mean there’s even more to consider?” After you’ve done your homework, compared different types of life insurance, and decided on the coverage you need—at the price you can afford to pay—there’s another level of customization for your insurance policy. Life Insurance Policy Riders Policy ridersContinue Reading

Man on boat researching how to qualify for life insurance

Do you qualify for life insurance? Insurability comes with a lot of misconceptions. One of the common reasons people overlook insurance as an investment tool is the assumption that they aren’t eligible due to a medical condition, lifestyle factors, or previous denial of coverage. There are many factors that determine whetherContinue Reading

The American Dream and rights

“When the architects of our republic wrote the magnificent words of the Constitution and the Declaration of Independence, they were signing a promissory note to which every American was to fall heir.  This note was a promise that all men would be guaranteed the unalienable right of life, liberty, andContinue Reading

Health affects on life insurance premium

When looking into getting a whole life insurance policy, obviously one of your first questions will be, ‘how much will my life insurance premium cost?’ The answer to your question is dependent on multiple factors. However, one of the biggest factors that determines the cost of a policy is a person’sContinue Reading