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Updated: April 12, 2024 at 9:38 am
Have you heard of life insurance with “living benefits”?
Yes, John. I looked up living benefits of life insurance and got confused. Also, I spoke to another agent who really couldn’t describe them.
I understand. I read those same articles. They unfortunately lead readers astray. You end up not really knowing what living benefits are and how they work.
Updated: April 12, 2024 at 9:39 am
If you have researched life insurance needs and coverage, you know selecting the right kind for you can be complex. Life insurance can be confusing. You probably have 1,000 questions. However, in our experience, there is one question that is most important than any of the others. If you are starting the life insurance search, you need to ask this first question to a life insurance agent. You can even ask this question to your current agent if you still have questions or concerns. In this article, we discuss the first question to ask a life insurance agent.
Continue reading The First Question To Ask A Life Insurance Agent
Updated: April 12, 2024 at 9:39 am
We wrote an article that described the 3 reasons why whole life insurance is a bad idea. How can we write an article about why whole life insurance is a good idea? Are we talking from both sides of our mouth? No. It is simple: It is your situation that dictates if a whole life insurance policy is needed. Chances are, it is not, but some people and families need whole life insurance.
This article is intended for people who are considering whole life insurance (see our article on why it can be a bad idea, too) and for people who currently have a whole life insurance policy and considering dumping it. Honestly, if you have a current whole life insurance policy, it may not be in your best interest to dump the policy.
We will explain more in a minute.
Updated: April 12, 2024 at 9:40 am
Recently, we have had several clients approach us if they should purchase an annuity or life insurance policy as it relates to saving money. Both can offer conservative value growth with really no loss of principal. If you want to save for retirement, or just for emergency savings, the decision to purchase an annuity versus life insurance policy depends on the answer to one question. We will get to that question in a minute.
In this article, we will discuss the characteristics of an annuity versus life insurance policy. The life insurance we will specifically talk about is cash value life insurance. It is permanent life insurance, like whole life or a universal life insurance policy.
Continue reading Annuity Versus Life Insurance: Which Is Better To Save For Retirement?