Category: Useful Tips & Information

Large Life Insurance Policies

Learn the secrets about the best life insurance policies for people buying jumbo life policies and large life insurance policies. Compare the rates to see the difference.

Wealthy People Own Permanent Life Insurance?

High Net Worth (HNW) consumers choose  permanent life insurance for many different reasons: Income Replacement:  It does not matter if your income is $100,000 per year or $1,000,000 per year, the income replacement need is the same. Nor does it matter if you are 35 or 55. If your family depends on your income, life […]

Disability Income Insurance – Lower Premiums

by Deborah Bernstein A disabling accident occurs every second in the U.S. with many of these accidents qualifying for disability income insurance. What would your family do if your paychecks stopped tomorrow and didn’t resume for several months or longer? What if this became several years? In some cases, social security may help with disability […]

Term Life Insurance In Danger of Lapsing?

Is your term life insurance lapsing? Do you know when the conversion deadline in your term life insurance policy expires? One of the most critical dates in a term life insurance policy is the conversion deadline. You don’t want the conversion deadline to pass without your consideration. Insurance companies DO NOT notify you as the […]

Life Insurance Policy Review

Life Insurance Policy Review & Monitoring   A life insurance policy review is strongly recommended every two years. For many life insurance buyers, an objective and impartial advocate always proves to be invaluable. For individuals, families or businesses, you can navigate the life insurance world with the comfort of an impartial professional. Transparency and disclosure is […]

Selling Un-Needed Life Insurance Gains Acceptance

Selling un-needed life insurance policies in the secondary market is now considered mainstream. It is a noteworthy development when class action lawsuits against life insurance companies are brought by policyholders. Should you sell an un-needed  or unwanted life insurance policy? Most qualified sellers are happy to learn about the benefits of selling their policy in the […]

10 Must Know Retirement Terms & Tips

As you are getting ready to retire or build your plan, it will be helpful to know these retirement terms and tips. Planning for this exciting chapter of your life is all about making informed decisions that will impact your financial security. Below are 10 essential retirement terms: Full Retirement Age: Full Retirement Age (FRA) […]

Simple Tips For Successful Inheritances & Wealth Transfer

Learn these simple tips for Successful Inheritances. Help your heirs hold on to their inheritances and keep your family intact. Giving while living is ideal but that oftentimes is not possible. Wealth transference can be complex and gut wrenching for some. Without careful planning, conditions can end up ripe for wealth destruction. Wealth will transfer, just […]

Permanent Life Insurance Has Much Lower Net Cost.

Term Insurance or Permanent Insurance? Which Should You Own? Watch out for the dangers of Term Insurance.   Do you want to provide a guaranteed, tax-free benefit for your family or business, regardless of how long you live? Then you should own Permanent Insurance. The people pushing term insurance use a misleading slogan “buy term […]

Jumbo Life Insurance Purchase: What You Need To Know

Among High Net Worth consumers, there is a deep appreciation for permanent life insurance. You want every advantage if you currently own or may be considering a jumbo life insurance policy. The underwriting class is major factor in the pricing for: jumbo term insurance jumbo whole life policy or permanent life insurance. Getting the best underwriting […]

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