Understanding Whole Life Insurance You’ll hear many arguments for and against whole life insurance. Many people wonder what whole life insurance truly is and if the benefits of a policy would help them. There are many different types of life insurance. In this article, we cover how participating whole life insurance works, its pros and …

Continue reading “What is Participating Whole Life Insurance”

What Is Whole Life Insurance? Whole life insurance is a permanent type of insurance that provides a death benefit for your WHOLE life. It is a guaranteed contract with tax-free growth and ready access to cash values. Benefits Guaranteed life insurance protection that will not expire as long as premiums and any loan interest are …

Continue reading “A Quick Overview of Whole Life Insurance”

Table of Contents: Examining Life Insurance Policies Term Vs Whole Life Comparison What’s the Best Life Insurance Policy 90/10 Insurance Policies Vs 60/40 Insurance Policies What to Look For In an Insurance Policy Owning a whole life insurance policy that pays dividends can be a great financial move. However, it’s essential to understand specific details …

Continue reading “90/10 Whole Life Insurance and Dividends: A Good Choice Or Not”

Recap of Whole Life Insurance Participating Whole Life Insurance (PWLI) is a lifelong insurance policy where premiums are paid annually. This contract involves the policy owner and the insurance company, with the company guaranteeing cash value growth during the insured’s lifetime and a specific death benefit to beneficiaries upon the insured’s passing. Additionally, the insurance …

Continue reading “Whole Life Insurance for Real Estate Investors”

With all the investment, hedging and saving options we have in today’s world, is there any need for whole life insurance? Whole life insurance has been around for a long time and some may argue it is outdated. In today’s episode, find 10 things you could do with your money instead of buying whole life …

Continue reading “Why Whole Life Insurance?”

When shopping for a life insurance policy, you’ll first want to consider what type of life insurance is best for you. There are a variety of life insurance types, each with its pros and cons, but some of the more well-known policies are term life insurance and whole life insurance. Whether you need term life …

Continue reading “Term vs. Whole Life Insurance”

Even though Facebook flagged this post: “Joe Biden wants to get rid of something called ‘stepped up basis’ that reduces inheritance taxes” It’s true. Biden wants to eliminate the stepped-up basis.  So, what does this mean for you? It means that if you inherit stocks, bonds, real estate, a business, farm or any other asset, …

Continue reading “Whole Life Insurance Can Protect You Against the Elimination of the Stepped-Up Basis”

Ask any financial planner or investment advisor and most of them will tell you they can help you earn a higher rate of return on your money than what you will earn in a participating whole life insurance policy. First of all, this isn’t even an apples-to-apples comparison because purchasing a life insurance has a …

Continue reading “Return on Premiums Paid in Participating Whole Life Insurance”

Permanent life insurance is often overlooked when it comes to financial planning. Typical financial planning says, “buy term and invest the difference.” Few people actually understand the long-term benefits that a permanent whole life insurance policy can give them. The major advantages include tax-free death benefits and annual dividends. However, not all permanent life insurance …

Continue reading “Indexed Universal Life Insurance vs Whole Life Insurance”

Laddering with Whole Life Insurance and Term In the financial world, laddering refers to when you stagger something like a CD maturity date, and you buy some that mature short term, some mid term, and some long term. This allows you to have an influx of cashflow over a period of time rather than all …

Continue reading “Laddering with Whole Life Insurance and Term – The Good the Bad and the Ugly”