Tag Archives: what life insurance plan is sold the most
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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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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inusre your love buy life insurance protect your family if you die

What would you do for love?

With Valentine’s Day just around the corner, almost everyone is trying to find that one special present, better than last years present, to show their loved ones that they love them more this year than last year. Remember… “You do it For Love” Here are a few short videos that will bring a smile, laughter, and [...]

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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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return of premium life insurance policy used in divorce why buy a return of premium life insurance policy

What is Return of Premium Term Life Insurance?

With a Return of Premium (ROP) Term Life insurance policy, the insurance company will pay your beneficiaries the death benefit should you die before the end of the term.  The benefit of this type of term policy is if you outlive the term of the policy, the insurance company will return to you 100% of [...]

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70% of Americans dont understand life insurance do you understand life insurance

LIMRA: Americans Have Rudimentary Knowledge about Life Insurance

LIMRA Researchers Test Americans’ Life Insurance IQ – 70 Percent Fail Recently, LIMRA (Life Insurance and Market Research Association) provided a life insurance IQ test to 4,000 Americans to gauge their knowledge and understanding of life insurance. Less than a third (1,200) passed the 10-question exam and the majority (55 percent) answered fewer than five [...]

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a legacy of love video #1 reason to own life insurance why should i own life insurance

The #1 Reason to Own Life Insurance

Here at Life Insurance Think Tank our primary goal is to educate you on all aspects of Life Insurance. Today we’d like to share an excellent short video from the non-profit organization Life and Health Insurance Foundation for Education (LIFE). With the number of families in the nation that don’t have life insurance (or don’t have [...]

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