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Financial Ducks In A Row Independent financial advice: IRA, Social Security, income tax, and all things financial

Life Insurance is Not an Investment Last week I seemed to cause a bit of a kerfuffle when I wrote about which life insurance may or may not be appropriate for the general consumer. For the readers that sent in emails and comments – thank you! It’s much appreciated and we enjoy the feedback. Twitter was also flitting and chirping with the commotion. In particular, the discussion really narrowed down to, and most of the comments we received were regarding the comment I made on life insurance not being an investment. And that’s still true. It’s not. Now there are plenty of people that will argue with me that it is an investment for this reason or that. For this writing I am hoping to explain...

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3 Simple Ways to Not Blow The Bank on Life Insurance, Payoff Life

When you’re just getting out of college or starting out life as a young adult, there are a lot of mysterious financial considerations. One of them is certainly life insurance. You know you need it, but how much do you need? And equally important – given all of your other expenses – how can you save money on life insurance? Here are three strategies I recommend… I actually mean that in the most literal way possible! A life insurance policy will never be less expensive than what it will be right now. Delaying until “later” can turn out to be several years, and that will make the premium even more expensive. For example, the annual premium on a term life insurance policy with a...

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US6456979B1 - Method of evaluating a permanent life insurance policy Google Patents

US6456979B1 - Method of evaluating a permanent life insurance policy - Google Patents Method of evaluating a permanent life insurance policy US6456979B1 US09694899 US69489900A US6456979B1 US 6456979 B1 US6456979 B1 US 6456979B1 US 09694899 US09694899 US 09694899 US 69489900 A US69489900 A US 69489900A US 6456979 B1 US6456979 B1 US 6456979B1 Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.) Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the...

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Are You Getting the Best Value from Your Life Insurance Portfolio?

Are You Getting the Best Value from Your Life Insurance Portfolio? The best financial advisors are wealth managers that look for ways to help you get more out of your finances. One area of immense value is life insurance. Almost everyone has a need for life insurance to offset risk. Life insurance protects those you love and who depend on you for support. That support can be in the form of a paycheck or in services that you provide for your family, such as a spouse who stays home to care for the kids. Nobody likes to talk about it, but if you die it puts a financial burden on the family when that support disappears. So, what’s the best way to get the life insurance coverage you need? You...

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Advantages And Disadvantages Of Indexed Universal Life - Ogletree Financial - Life Insurance Brokerage

When you’re looking to get life insurance, there are dozens of different factors that you’ll have to consider to ensure that you’re getting the best plan to fit your needs. There are several kinds of plans that you can compare, each of them has different advantages and disadvantages that you’ll need to weigh when deciding which plan is best for you. Indexed universal life insurance (IUL) is similar to traditional universal life but with several additional benefits that make it function more like an investment vehicle. As with any life insurance/investment product, the advantages and disadvantages of indexed universal life insurance should be understood before making an informed decision...

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What You Need to Know Before Comparing Life Insurance Policies, Cover Australia

What You Need to Know Before Comparing Life Insurance Policies Are you in the market for a life insurance policy? Looking for life insurance sure can seem daunting and we know how hard it can be to find the right policy for a good price, but getting covered and protecting your loved ones won’t be so tough if you’re well prepared. By learning a little bit about what life insurance is all about and how it applies to your situation, you will be well equipped to compare all the options out there and find the policy that is right for you. Compared to other insurance categories, life insurance is actually pretty straightforward. But premiums and conditions can vary, and these factors among many...

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Whole Life Insurance vs. Universal Life Insurance - Bank on Yourself

A Fair and Balanced Comparison As a general rule, if you want to get at the truth, hear both sides and believe neither.” (Note: This article was written by an executive at a top life insurance company that sells both Whole Life Insurance and Universal Life Insurance, and has no vested interest in either. He has requested to remain anonymous.) Twenty-five to thirty years ago, the life insurance industry would have been ahead to heed this advice, and the same is true today. I have received a copy of a letter written by someone within the industry, whom I’ll call “Mr. X,” from a number of different sources, each asking for my comment. The letter compares Universal Life...

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Be careful with your explanation about the difference between Fee-Only and Fee-Based advisors.

Be careful with your explanation about the difference between Fee-Only and Fee-Based advisors. There is another type of advisor now and actually I consider myself one. I am a Fee-Offset advisor. This means that I will accept commissions from the sale of term life, long term care or disability insurance policies. However, if I was to do a financial plan for someone and I uncover a need for one of these products I can offset the cost of the financial plan by the commission I receive. I do not sell annuities or cash value life insurance at all and never receive any commission, trails, kick backs, soft money or etc from any investment related asset i.e. (mutual funds or annuities). As an RIA I...

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Guardian Life Insurance Review - Insurance and Estates

At Insurance and Estates, we provide our readers with the facts needed to make the right choice regarding the top life insurance company and plan they choose. In the following Guardian Life review, we will cover the strengths of the company, its ratings, its history and its various products and features. Is Guardian the right company for you? Review of Guardian Life Insurance Company of America When seeking out the best life insurance provider, it is important that you take an inventory of your needs, goals and objective. With over 800 companies offering life insurance and annuities trying to locate the single best option is overwhelming. That is why we have put together our top picks for...

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Why Doesn t my Financial Advisor like Cash Value Life Insurance?

Why Doesn’t my Financial Advisor like Cash Value Life Insurance? I'll be very up front about the fact that I'm stereotyping badly with today's post regarding financial advisors and cash value life insurance. I realize there's a lot of liberal interpretation regarding what it means to be a “financial advisor.” But for today's purposes, we'll refer to financial advisors as those who primarily focus on gathering assets to manage. Ignorance Before I put on the tin foil hat and call out a possible motivation for your typical financial advisor's aversion to cash value life insurance, let me also point out that at least some degree of this aversion is likely ignorance. And in...

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