Tag Archives: Life Insurance
how to buy klife insurance with one lump sum single premium for wealth transfer

Should you buy life insurance with one lump sum premium?

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 Retirement Specialists use this [...]

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How often should life insurance reviews be done

Life insurance policy reviews: How often should they be done?

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

Life Insurance: An Additional Asset Class

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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best life insurance worksheet

The Best Life Insurance Worksheet

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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what types of term life insurance is available today

What types of Term Life Insurance is available today?

Understanding Term Life Insurance When you’re considering term life insurance, you need to understand the different types of term life available today.  Term life is the least expensive insurance available today and if used correctly could be the best insurance for you.  In fact many people supplement permanent life insurance (universal, indexed universal or whole [...]

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should I buy whole life UL universale life UL or indexed universal IUL insurance

Whole life versus universal life insurance

Whole Life Insurance Whole life insurance (WL) is permanent insurance and covers you as long as you live.  You pay the same premium for a specific period (usually the rest of your life) to receive the death benefit.  This type of insurance provides life insurance coverage and a savings feature.   With whole life your [...]

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what can I do with the cash in my life insurance policy can I borrow cash from my life insurance policy

What can I do with the cash in my Life Insurance Policy?

According to the U.S. Census Bureau, couples at the age of 65 have a 50% chance of living to 92 years of age. In order to have enough resources to take care of one’s medical and recreational needs advanced preparation must take place. Furthermore, many statistics indicate that 54% of Americans have less than $25,000 [...]

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