Life Insurance In 2013

Tag Archives: Life 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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Untitled April 9, 2013
Long 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 […]
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Should you buy life insurance with one lump sum premium? March 4, 2013
Life 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 […]
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Doing Your Heirs a Simple Favor Before You Die March 1, 2013
The 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. […]
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How to Maximize your Legacy Estate Planning February 27, 2013
Even 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, 2013
Most 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 […]
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Premium Financing of Life Insurance: Why and When to Use it February 21, 2013
If 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 […]
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Life insurance policy reviews: How often should they be done? February 20, 2013
If 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% […]
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Life Insurance: An Additional Asset Class February 19, 2013
Back 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 […]
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Using Life Insurance for Estate Planning February 18, 2013
How 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 […]
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The Best Life Insurance Worksheet February 15, 2013
The 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 […]
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