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October 14, 2012 
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Consumers Need Help Determining How Much Life Insurance To Buy
September 11, 2012 0 Comments
The great news is that a recent poll by Northwestern Mutual found that Americans who buy life insurance feel much more financially secure than those without it (probably not a big surprise). However, the bad news is that respondents admitted they lacked clarity on exactly how much insurance they should have in place. For insurance [...]
Read moreLove Insurance
August 26, 2012 0 Comments
No, the title of this blog is not a typo. Many of you might be thinking that because we specialize in annuities, that we might not even know how to spell life insurance. Well as it turns out, I purposely wrote “Love Insurance”, because that is what…
Read moreWhat is Love Insurance
August 24, 2012 0 Comments
To begin, life insurance always seems like a dreary thing to talk about with people. From having the discussion with your own family members, to prospective clients, or even to personal friends, opening up about dying has always been a tou…
Read morePros and Cons of Over-funding Life Insurance
August 18, 2012 1 Comment
Here at Life Insurance Think Tank, we are fortunate to work some of the best and brightest life insurance and legacy planners in the country. Moreover, we are in such a unique and exciting position because we get to learn every day from some of the best in the business financial professionals in the life [...]
Read moreTop 10 Indexed Life Insurance Carriers
August 18, 2012 0 Comments
IUL, or indexed universal life, has really taken off over the past few years. With the combination of baby boomers hitting retirement age, the large amount of uninsured American’s, along with the realization that universal life can provide forms of income as well as a death benefit, some could say a perfect storm exists in [...]
Read moreCash Accumulation Benefits of Indexed Universal Life
August 17, 2012 0 Comments
Here at Life Insurance Think Tank, we work with some of the top life insurance professionals in the country. We are privy to some heart warming stories about how life insurance has impacted families, and unfortunately, even get to hear the bad stories when families didn’t have enough (or any) life insurance in place when [...]
Read moreUsing Life Insurance to Insure Legal Obligations in Divorce
August 2, 2012 0 Comments
Unfortunately these days, marriage doesn’t usually last forever. In fact slightly over half of all marriages end up in divorce. And once a couple decided to go down the road of divorce, there are numerous issues that need to be resolved from who gets custody, home, finances, cars, etc. In some cases, the list can [...]
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Life Insurance Feed
- Untitled April 9, 2013Long term care insurance solutions for today. Long term care is a very big concern for many aging baby boomers. However a traditional long term care policy has one major drawback. If you never use it, you lose it. In today’s market there is another option available where you can receive your money back. This […]Life Think Tank
- Should you buy life insurance with one lump sum premium? March 4, 2013Life insurance for your heirs – Single Premium Life Insurance Depending on your situation the simple answer is… quite possibly. In fact, single-premium universal life insurance, SPUL, may be one of the most overlooked, misunderstood life insurance products available today and rarely recommended by traditional life insurance agents. However, expert Tax-Free […]Life Think Tank
- Doing Your Heirs a Simple Favor Before You Die March 1, 2013The passing of a loved one is never easy for friends and family, but it can be even more difficult if the survivors do not have the information they need to make decisions and take care of final arrangements. Several years ago, my brother passed away quite suddenly on the other side of the nation. […]Life Think Tank
- How to Maximize your Legacy Estate Planning February 27, 2013Even though Congress has increased the estate tax exemption to $5.12 million for individuals and $10.240 million for couples, you still need to understand the threat of estate taxes on your legacy planning. Even though Congress has labeled these exemptions permanent, will they be changed in the future by another congress and president to fix […]Life Think Tank
- What is more important, your Will or your Life Insurance Beneficiary Designation? February 26, 2013Most people are often unclear about this complicated, yet simple question. A Will is a legal document that sets forth your wishes regarding the distribution of your property and the care of your minor children. Life insurance is a legal contract between you and the life insurance company who issued the policy. The simple […]Life Think Tank
- Premium Financing of Life Insurance: Why and When to Use it February 21, 2013If you’ve ever bought a house with a mortgage then you understand how to use other people’s money to leverage your assets to purchase something very expensive. Let’s combine that strategy with the purchase of high value life insurance. If you have a large estate value or a farm that you want to pass on […]Life Think Tank
- Life insurance policy reviews: How often should they be done? February 20, 2013If you’re reading this and you haven’t had a life insurance review in the last 12 months, NOW is the time to have a life insurance review. In fact they really should be called “Annual Life Insurance Reviews” so policy holders understand they should be completed every year. Did you know that an estimated 75% […]Life Think Tank
- Life Insurance: An Additional Asset Class February 19, 2013Back in a January 11, 2009 Palm Beach Daily News, an article by R. Marshall Jones, JD, CLU, ChFC titled “Life Insurance: An Additional Asset Class in Difficult Times,” the author makes the following observations about whole life (or permanent) insurance companies in the wake of the 2008’s economic turmoil: “Fortunately, the life insurance industry […]Life Think Tank
- Using Life Insurance for Estate Planning February 18, 2013How to Use Life Insurance for Estate Planning As Ben franklin said, “…in this world there is nothing certain but death and taxes.” Life insurance can help you when both of those situations occur. Obviously not the aspect of death, but it can definitely manage the tax aspect of his comment. As humans, one of […]Life Think Tank
- The Best Life Insurance Worksheet February 15, 2013The Best Life Insurance Worksheet So you’ve come to the realization that you need to buy life insurance. You’ve read and educated yourself at www.lifeinsurancethinktank.com and have some basic ideas of what types to review with your Retirement Life Solutions Specialist. Before you make that call, there is one more thing you might want to […]Life Think Tank
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