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If you own an OLD Annuity (7+ years), this is something to consider?
What Is a 1035 Exchange? Named after Section 1035 of the Internal Revenue Code, a 1035 exchange allows life insurance policy owners (and annuity contract owners) to exchange an old policy (or...
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Annuity Living Benefits
Many variable annuity contracts offer “living benefit” guarantees. For an additional cost, the contract holder may be able to purchase guarantees regardless of the account value. Adding a guaranteed...
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Am I Prepared for Long-Term Care Expenses?
In general, Americans are not sufficiently prepared to pay for long-term care. Many of them go through their lives simply hoping that they won’t ever need it. Unfortunately, in the event that you or a...
View ArticleInsurance 101 – Young Families
Last week I attended a continuing education conference and I learned about a non-profit organization who’s sole purpose is to teach the importance of life insurance. I have had an opportunity to...
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What Is Term Life Insurance?
Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company will pay your...
View ArticleLife Insurance for Young Families, Why?
When you’re starting a family you face perhaps the most daunting financial pressures you’ll encounter at any stage of life. Expenses like a new home and young children weigh heavily, and you’re likely...
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Last-Survivor Life Insurance
Last-survivor life insurance has been a popular estate conservation tool for couples who want to help protect their legacy from estate taxes. Because this type of policy pays a benefit after the...
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New Opportunity for Generating Lifetime Income
A survey of people aged 44 to 75 found that 61% fear running out of money in retirement.1 There may be various personal reasons behind this concern, but the decline of traditional pensions, combined...
View ArticleDo You Still Need Life Insurance?
Older people generally have a better understanding of life insurance than younger people.1 But even if you fully understand the costs and potential benefits of life insurance, you may wonder whether...
View ArticleWhat Is Tax Deferral?
“Tax deferral” is a method of postponing the payment of income tax on currently earned investment income until the investor withdraws funds from the account. Tax deferral is encouraged by the...
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