Tag Archives: The Dominant Life Insurance Product of 2012
how to maximize your legacy estate planning

How to Maximize your Legacy Estate Planning

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 [...]

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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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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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indexed universal life insurance

How an Indexed Universal Life Insurance Policy can Help Protect Your Family and Provide for Your Retirement

One of the most talked about life insurance products available today is Indexed Universal Life (IUL). An IUL provides the value of a permanent life insurance with the cash value of the policy invested into an account that is “linked” to the performance of a market index like the S&P 500. The value to the [...]

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The Dominant Life Insurance Product

Life insurance has been around for centuries and comes in many shapes and sizes.  Throughout the history of life insurance, there has usually been a prevailing “most popular” life product for any given period of time.  For instance, in the 1960′s and 1970′s, whole life was the predominant life product by far.  In the 1980′s, [...]

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