Personal Life Insurance

Personal Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. The insurance company promises a death benefit in consideration of the payment of premium by the insured.

Typically, life insurance is chosen based on the needs and goals of the owner. Term life insurance generally provides protection for a set period of time, while permanent insurance, such as whole and universal life, provides lifetime coverage. It’s important to note that death benefits from all types of life insurance are generally income tax-free.1

Pay Off Your Student Loan Faster With Life Insurance

Life Insurance and Your Student Loan Not many people use life insurance and student loan payments in the same sentence, but we do. This is a growing trend and for good reasons. Below we will explore just a few of the benefits. Maybe this could even be the answer to helping you get out from under your student loans. [...]


How To Accelerate Your Personal Savings

Accelerate Your Personal Savings Alright, you've come to realize how important a personal savings account is. However, we all know how difficult it can be to find extra money to set aside. But we have a solution. We help clients find money by simply reallocating dollars by redesigning life insurance policies. Some people are over insured, this is a [...]


The Perfect Investment Might Look Like This

The Perfect Investment I was thinking the other day; what would the perfect investment look like? In the real world, not some fantasy world. What would the characteristics of this perfect investment be? As I was thinking I started creating a list. 12 Characteristics of The Perfect Investment Tax deferral on growth Income-tax-free withdrawals Income-tax-free survivor benefits No plan [...]


Making Every Dollar Count With Capital Preservation

Making Every Dollar Count with Capital Preservation The choices you make today will determine your legacy to those you care about. With careful planning and Capital Preservation, you can help ensure that you make every dollar count for you and your beneficiaries. This strategy refers to transferring capital from one asset to another, letting you replace a “negative tax consequence” [...]


Retire Well With An Index Universal Life Insurance Policy

Retire Well With An Index Universal Life Insurance Policy Index Universal Life Insurance (IUL) allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100. ... IUL policies offer tax-deferred cash accumulation for retirement while maintaining [...]