Indexed Universal Life Insurance

IUL versus Whole Life

IUL versus Whole Life | Product Comparison

As investors become more conservative after so much volatility in the market, many are turning to a tax-deferred saving strategy which typically leads to a cash value life insurance product. Life insurance products like Whole Life insurance and Indexed Universal Life (IUL) have begun to establish a significant foothold in the marketplace even though there.. More

Roth IRA vs Indexed Universal Life

Roth IRA vs. Indexed Universal Life | What’s the Best Choice?

Every financial planner you speak with is going to be adamant about how retirement planning is critical for all of us to maintain our financial security and plan for a standard of living that is realistic. And, we can certainly agree that the majority of Americans are concerned to some extent that they will be.. More

What is a 1035 Exchange

What is a 1035 Exchange?

Most insurance professionals must deal from time to time with a client or prospective client that has a life insurance, annuity, or endowment policy that is no longer a good fit for them. When this situation arises, the insured can exercise a 1035 exchange to a new policy.  This means they can transfer all of.. More

the term life insurance option

The Term Life Insurance Conversion Option

With Term Life Insurance rates being lower than ever before, there’s no wonder that so many policies are sold today, especially for consumers who need a very large death benefit in order to replace their income. Term life insurance rates are much lower than whole life, indexed universal life and universal life because the mortality.. More

indexed universal life

Best life Insurance Companies for Indexed Universal Life in 2019?

Indexed universal life insurance was created back in 1997 by Transamerica.  We now have more than 20 years of IUL history to draw from. We are still excited about using indexed universal life insurance as a way to accumulate cash on a tax-deferred basis and take an income stream on a tax-free basis. We have.. More

LIRPs for average joe

LIRPs for the Average Joe

You are probably reading this because someone suggested that you look into a LIRP to help with retirement planning. It was probably an insurance agent with a tax-free retirement pitch. We feel that LIRPs or better known as a Life Insurance Retirement Plan can be a great supplement to your retirement income. Historically, LIRPs have.. More

life insurance retirement plan

A LIRP Is a Life Insurance Retirement Plan

A LIRP is a life insurance retirement plan that provides you with the tax-free advantages of a Roth IRA without all of the hassles.  As Americans watch the national debt to spiral further out of control, there’s a growing sense of dread.  In fact, as of July 2018, our nation has gone from a budget.. More

LIRP pros and cons

The Pros and Cons with Life Insurance Retirement Planning (LIRP)

As we have mentioned before and will discuss again, a life insurance retirement plan or LIRP is a robust financial planning vehicle used by consumers of all walks of life to build their own private pension plan.  With the uncertainty of social security and fewer and fewer employer sponsored retirement plans, a LIRP is a.. More

retirement

IUL – Used For Retirement?

Shopping for life insurance coverage, specifically indexed universal life insurance, can be a tough decision. When you decide to use IUL for retirement planning, you are usually making a choice that will last a lifetime. There are many companies offering indexed universal life insurance.  With so many IUL plans to choose from, you really need.. More