• Cash Value Life Insurance – is it a good deal?

    Cash Value Life Insurance as an Investment “Cash value life insurance is a good long term investment” “Whole life insurance returns dividends in excess of seven percent” “Indexed universal life lets you accumulate money tax deferred and withdrawal at retirement time tax free” Truth or Hype  The downside details that are downplayed, not mentioned, or […]

  • Life Insurance for the uninsurable child

    Routinely we get calls from parents, seeking to obtain life insurance on their young children.  Unfortunately, sometimes that child has a severe health condition and is uninsurable. We now have a solution with one of our highly competitive term (and UL) carriers!  When a parent purchases their own policy with the Child Rider, all children […]

  • Life Insurance for someone with hepatitis

    Can someone with hepatitis get life insurance?

  • E-Cigarettes Just More Smoke and Mirrors, Doctors Say

    I saved this article from nearly 6 years ago.  Doctors knew what was going on, as did the makers of e-cigarettes.  6 years later, the makers of e-cigs are doing nearly $4B in sales a year while 13 year old are getting addicted to nicotine with irreversible lung damage. Source: E-Cigarettes Just More Smoke and […]

  • Indexed Universal Life – The Next Big Thing in Life Insurance?

    Is Indexed Universal Life Too Good to be True?   HOW IS INDEXED UNIVERSAL LIFE PROMOTED? Tax-efficient investment Indexed Universal Life is being promoted by insurance companies, Insurance Marketing Organizations, and agents more as an investment than as insurance. The marketing material leads one to believe that this is an investment, even though the illustrations […]

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