Whole life insurance tax shelter investments

Are you preparing for tax season? January 31 is the last day for employers to mail W-2 forms to employees. You may also have 1099s or other forms regarding your investments, such as 401(k)s, IRAs, HSAs, and various types of  insurance. It can be confusing to know what you actuallyContinue 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 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.). One factor that plays a role in the selection of insurance is one you cannot preventContinue Reading

life insurance policy riders, top 5 insurance policy riders

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