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Bigger Isn’t Always Best
We’re talking about life insurance policies here! If you’re buying a Universal Life policy and your agent asks if you want the death benefit to be level or to increase as the accumulation value...
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Responsibility
There are many reasons given by young people with families who have not purchased enough life insurance to care for their children and spouses in the event of their early death: I don’t know what type...
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Are You Worth More Dead Than Alive?
“I’m worth more dead than alive” is a comment I have heard often during my many years in the life insurance arena. It’s usually said in jest by an individual just after he has purchased a new life...
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When It’s Your Business …
If you own a business or are a self employed professional you should consider business life insurance. The two most common uses of life insurance in a business are to fund a buy and sell agreement (22...
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Mistakes To Avoid With Your Life Insurance
There are a few situations that might cause either a delay in the payment of a life insurance claim and/or adverse tax consequences. Here are a couple of times when this can happen: Minor children...
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Should You Wait And See?
You’re age 57, in reasonably good health and your term insurance policy you bought 10 years ago is coming to its end. You figure at this point in your life a $200,000 policy is what you want to carry...
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The One Way Street
A Life Insurance Policy is like a One Way Street… in the good sense. Once a policy has been issued there is no turning back—not for you—but for the insurance company. When you buy an automobile or...
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Something for Everyone Ages 45-85
Recently I received a mailing addressed to me as a member of the Auto Club. My wife and I were offered life insurance and we didn’t have to take a medical exam and there were no health questions...
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The Permanent Policy With No Cash Value
Whole Life Insurance is the original type of permanent life insurance. The premium is level, the cash value grows every year and the death benefit is guaranteed for life. That all makes sense. How,...
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The Best or Worst Retirement Tool
The primary purpose of life insurance is to provide a death benefit, not to build cash value. Its main function is not to supplement retirement income. With that said, however, life insurance...
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