The Need For Life Insurance

retirement planning

Six Reasons to use IUL in Retirement Planning

There are several different kinds of life insurance plans on the market. Each type has its own advantages and disadvantages that you should take note of when you’re shopping for coverage. Although only in the marketplace for about twenty years, new policy sales of Indexed Universal Life (IUL) insurance has grown to over $2.1 billion.. More

Clark Howard and Life Insurance

Clark Howard’s take on Life Insurance

When we review the numerous articles posted by Clark Howard concerning life insurance, it doesn’t take much reading to discover his take on the subject. It’s interesting that Mr. Howard’s opinion lines up pretty much with other celebrities (financial gurus) like Dave Ramsey and Suze Orman. What separates Clark Howard (in my opinion) from the.. More

bank of america sign

Collateral Assignment of Life Insurance to a Lender

When most people think of life insurance benefits, they think of providing financial protection for their loved ones or using the cash value as an emergency cash fund. Some life insurance products like indexed or variable universal life are now being used as retirement planning alternatives because they can build significant cash value over time… More

return of premium term life insurance - ATM

Return of Premium Term Life Insurance

Although Return of Premium Term Life Insurance entered the insurance market with a “Bang,” the interest has begun to wane as many financial gurus condemn the product as being overpriced. These gurus who opine regularly about the additional cost of the return of premium (ROP) are typically guilty of painting all insurance shoppers with a.. More

20 year term life insurance

20 Year Term Life Insurance – Top 3 Companies

Most people know at least something about term life insurance. They typically understand that term is the cheapest life insurance available and they understand that it is considered temporary insurance. Because term life insurance is so affordable, it will usually fit within the budget of most Americans and can be used for many purposes: Replacing.. More

term life insurance

Best Quotes for 15 Year Term Life Insurance

Term Life Insurance is considered to be the cheapest life insurance that a person can buy. Because of this, term life insurance is typically the most popular insurance product for young and middle-aged adults. Most insurance shoppers are aware that term insurance can be purchased for up to 40-year terms so it’s logical to wonder.. More

variable universal life insurance

Top Choices for Cheap Life Insurance

Believe it or not, when you consider what you get for what you pay, life insurance is one of the few bargains in the marketplace. Think about it, a 30-year old male can start a $500,000 Term Life insurance policy for about $20 and then die the day after it’s issued, and his beneficiary will.. More

mortgage protection insurance

The Complete Guide to Mortgage Protection Insurance

If you have recently closed on a home loan, it’s likely that you’ve received several notices about Mortgage Protection Insurance. Did you read them or throw them away? If you opened your letters, you are probably curious about this insurance called “Mortgage Protection Insurance” and have ended up online to get more information. Wouldn’t it.. 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