military life insurance options

Military life insurance is one of many benefits offered to active duty service members and veterans, but it’s not the only insurance option available. In fact, permanent life insurance policies like properly structured whole life insurance can offer more coverage and benefits than Servicemembers’ Group Life Insurance (SGLI), Family Servicemembers’Continue Reading

Guaranteed insurability rider definition

If you knew that you were guaranteed to be eligible for life insurance, would you buy coverage? If you currently have life insurance, do you wish you had more coverage? One of the biggest reasons people don’t have adequate insurance is because their health prevents them from qualifying for lifeContinue Reading

deciding on straight life policy

A straight life insurance policy is one of the oldest types of insurance. It’s been used for centuries to grow and protect policyholders’ money—and not just by the wealthy. Straight life policies have many benefits not found in other types of life insurance, like universal life, variable life, term policies,Continue Reading

key person insurance

What is Key Person Insurance? Also known as “Key Man” Insurance, or Company Owned Life Insurance (COLI), it is a type of life insurance that provides coverage for vital individuals of a business. Who is Considered a Key Employee? The employees designated as “key” are solely determined by the business.Continue Reading

the cash value of whole life insurance

Whole life insurance policies have a unique feature that make them ideal vehicles for growing and protecting wealth—cash value. But how does cash value work? How does it grow? How do you access your money and what are the tax implications? Let’s break it down. What is the Cash ValueContinue 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

money in motion

Money in motion tends to stay in motion. Keeping money in motion by moving it through assets is how you generate wealth. It’s not about saving piles of money in various accounts accompanied by strict limitations. It’s about leveraging money and multiplying its use for your profit. Whole life insurance helps you multiply your money andContinue Reading