There is a lot of noise being made surrounding what and what isn’t going to happen to your taxes under the GOP Tax Bill.  But one thing is for sure, taxes won’t be going away, because as Benjamin Franklin noted years ago, death and taxes are two things you can always rely on. But concerning …

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Whole Life, Universal Life, One Year Renewable Term, Level Premium Term

According to the most recent Marist poll,[i] the most annoying phrase for Americans, for the ninth straight year in a row, is “whatever.”  Evidently “Que Sera, Sera, whatever will be, will be,’ is simply annoying to over one-third of the nation.[ii]  Yet, according to the Economic Policy Institute “Nearly half of American families have a …

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Today I spoke with a clinical scientist who wanted a second opinion concerning an Indexed Universal Life (IUL) insurance policy that had been suggested for him as something that would perform better than if he contributed to his employer’s 401k plan.  And with his expressed permission, here is his estimation of the IUL, “This is …

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How the numbers work out

Table of Contents: My ATV Accident in Southern Nevada and How it Relates to Life Insurance The Essence of Life Insurance Comparing Cash Value and Premiums in Two Different Policies The Role of Term Insurance Avoiding Misinterpretation and Misinformation Final Recommendations KEY POINTS Review and Comparison of Whole Life Insurance Policies: The article details a …

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What things to look for to understand policy illustrations

Advocating the ability to leverage your life insurance policy for needed cash flow or investment capital has become a common approach for the life insurance industry to promote and sell higher premium life insurance products.  Whether those products be some form of universal life or high cash value whole life, the novelty that you can …

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Things to understand about Covered Calls to be successful.