The Fiscal Cliff, Estate Taxes, and Life Insurance
December 18, 2012 
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Life Insurance Education
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Life Insurance Alternatives
December 17, 2012 0 Comments
Life insurance, in its simplest form, has been around for many generations. When I say simplest form, I mean a tax-free death benefit. I am quite certain that the majority of Americans believe that a tax-free death benefit is the sole purpose of life insurance. In fact, I would be willing to bet that the [...]
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Is Life Insurance Considered An Asset Class?
December 10, 2012 0 Comments
Life Insurance Education
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Life Insurance Gift for Christmas
December 8, 2012 1 Comment
I pay close attention to many of the polls that come out around the holidays to see what the hot gifts are for the year. Always at the top of “trendiest” gifts are the latest and greatest tech gadgets (this year things like the Imac mini and google’s version of the new tablet as well), [...]
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The Truth about Actuarial Guideline 38
November 30, 2012 0 Comments
Life Insurance Education
Read moreTruth About Acturial Guideline 38 (AG 38)?
November 26, 2012 2 Comments
The most popular question we have been receiving over the last month is, “What is Actuarial Guideline 38 (AG 38)?” Although many consumers aren’t as familiar with the term or the definition, we are quite certain that every life insurance agency, distribution channel, and life insurance carrier have spent countless hours trying to make changes [...]
Read moreLife Insurance in 2013
November 8, 2012 0 Comments
So now that we can finally stop being harassed by political commercials, billboards, emails, Facebook posts, and even unsolicited phone calls, let’s discuss how the next four years could affect the life insurance industry. Although life insurance carriers were never mentioned in any of the debates and certainly aren’t at the top of Obama’s list [...]
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Do Single People Need Life Insurance?
October 25, 2012 0 Comments
Here at Life Insurance Think Tank, a question we often get is, “Do single people need life insurance”? Many Americans never prepare for things like life insurance until they get married, have their first child, or some brush with death (or a family member dying). So the answer that a recent study by WellPoint received [...]
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Scary Life Insurance Facts
October 15, 2012 0 Comments
Life insurance has saved countless numbers of people, families, and even organizations from financial despair during tough times. Life insurance is one of the most under-rated and unrecognized hero’s in the financial space. Most likely because it doesn’t appear to be a hero until someone passes away. But it still shocks us that more families [...]
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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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