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life insurance retirement plan
Indexed Universal Life Insurance

Clear Talk About LIRPs

What is a LIRP? LIRP stands for life insurance retirement plan.  The most used life insurance product for a LIRP is indexed universal life (IUL)

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Acuity car insurance review
Auto Insurance

Acuity Car Insurance Review

Acuity Insurance Overview Acuity Insurance is a mutual insurance company based out of Sheboygan, Wisconsin and is the 57th largest insurance provider in the US. 

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motorcycle insurance in 2020
Auto Insurance

Motorcycle Insurance in 2020

Interestingly, not all states require motorcycle riders to have liability insurance. The average motorcycle on the road today weighs about 550 pounds and can do

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what is flood insurance
Homeowners Insurance

What is Flood Insurance?

If you take a look at most of the standard homeowner’s insurance policies—HO-1, HO-3, and HO-5, you likely notice that most of them are curiously

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what does an HO-4 policy cover
Homeowners Insurance

What does an HO-4 Policy Cover?

There are several different types of homeowner’s insurance each of which offers different levels of protection and coverage. An HO-4 homeowner’s insurance plan, also called

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what does an HO-5 policy cover
Homeowners Insurance

What does an HO-5 Policy Cover?

For most homeowners who want adequate insurance protection, an HO-3 homeowner’s insurance policy is the typical choice. HO-3 policies offer a good range of coverage

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what is a dwelling policy
Homeowners Insurance

What are DP Insurance Policies

When it comes to homeowner’s insurance, there are two major types of policies: homeowner’s policies and dwelling policies. Homeowner’s policies are for homeowners who live

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What does an HO-3 Policy Cover?

An HO-3 policy is an official designation for what is known as “standards homeowners insurance.” HO-3 policies are normally the standard homeowner’s insurance plan because

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state farm homeowners insurance
Auto Insurance

State Farm Auto Insurance Review

Even though car insurance rates seem to be climbing lately, the auto insurance industry remains very competitive. In today’s economy with all the innovative technology,

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$50,000 life insurance rates
Indexed Universal Life By Age

$50,000 Life Insurance Rates

Have you ever seen a TV commercial when they talk about life $500,000 life insurance policies costing only about $18 a month? Then, you think

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Globe Life Insurance Review
Company Review

Globe Life Insurance Review

Globe Life Insurance Review Anyone who watches television has probably seen commercials put out there by life insurance companies, especially those companies that sell directly

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policygenius review featured img
Auto Insurance

Policy Genius Review

If you’re in the market for insurance and want to buy it fast, cheap, and from a highly-rated insurance company, Policy Genius is a great

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selectquote company reivew
Auto Insurance

SelectQuote Company Review

Let’s put first things first. SelectQuote is not an insurance company, but rather an insurance agency. This is a good thing for consumers because it

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state farm homeowners insurance
Homeowners Insurance

State Farm Homeowners Insurance

Certainly, no legitimate homeowners insurance companies review without including State Farm homeowners insurance. When you consider advertising on TV, Google, Facebook, and Twitter, State Farm

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liberty mutual office bldg
Company Review

Liberty Mutual Homeowners Insurance

In our continuation of providing information about the many insurance companies offering homeowners insurance, in this article, we present Liberty Mutual Homeowners Insurance. If you

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AAA homeowners insurance
Homeowners Insurance

AAA Homeowners Insurance

Whether you own your home outright or if you have a mortgage, it’s still likely that it’s your most valuable asset and as such, you

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Progressive home insurance offices
Homeowners Insurance

Progressive Home Insurance

Certainly, most people have heard of Progressive Auto Insurance because we are regularly greeted by Flo and Jamie who spend a lot of time hawking

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what is loss of use coverage
Homeowners Insurance

What is Loss of Use Coverage?

It’s interesting that when most people talk about homeowners’ insurance, they understand the coverage on their home and they understand the coverage on their personal

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Erie auto insurance review
Auto Insurance

Erie Auto Insurance Review

If you’re the type of insurance shopper that wants to do business with a well-established company rather than an upstart, Erie Auto Insurance is for

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quotewizard auto insurance
Auto Insurance

QuoteWizard Auto Insurance Review

QuoteWizard is a lead generation platform (marketplace) where auto insurance shoppers can get auto insurance rates from multiple highly-rated insurance companies.   The company has

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life insurance trust
Indexed Universal Life Insurance

Do I need a Life Insurance Trust?

If you’ve ever thought about retirement planning or purchased life insurance from a reputable agent or financial planner, chances are that “Life Insurance Trust” may

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Zander Insurance review
Company Review

Zander Insurance Review

First off, we are not Zander Insurance. This is our Zander insurance review which we consider fair and balanced. Most of the time when we

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should I set up a 7702 plan
Indexed Universal Life Insurance

Should I Set Up a 7702 Plan?

If you think that your Social Security benefits will be sufficient for you to live on in retirement, think again. And regretfully, even if you

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how does life insurance work
Indexed Universal Life Insurance

How Does Life Insurance Work?

Most people have a vague idea of how life insurance works but generally they don’t understand the fundamentals of a life insurance contract and how

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IUL fpr emergency physicians
Indexed Universal Life Insurance

IUL for Emergency Physicians

Emergency medicine is a huge category that can encompass many medical specialties. Emergency physicians remain in big demand and as such, they represent some of

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IUL for neurologists
Indexed Universal Life Insurance

IUL for Neurologists

Are you a highly-paid medical professional attempting to create enough wealth to live a comfortable and exciting life when you finally decide to retire? Have

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IUL for gynecologists
Indexed Universal Life Insurance

IUL for Gynecologists

Are your contribution restrictions on your retirement planning vehicles causing you to fall short of your wealth accumulation goals? Are you maxing out your 401k

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IUL for Dermatologists
Indexed Universal Life Insurance

IUL for Dermatologists | Yes or No?

Like most medical professionals, dermatologists frequently face challenges with retirement planning because of the restraints placed on traditional retirement vehicles by the IRS. Whether medical

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IUL for cardiologists
Indexed Universal Life Insurance

IUL for Cardiologists

Indexed Universal Life Insurance (IUL) is just one of many vehicles that are used in a comprehensive retirement plan. Yes, the IUL product is a

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Kai-Zen premium financing
Indexed Universal Life Insurance

Kai-Zen Premium Financing

Kai-Zen (meaning change for good) is a strategic method that enables you to continue a lifestyle that you enjoy if you were to unexpectedly come

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1035 Exchange
1035 Exchange

What is a 1035 Exchange?

Most insurance professionals must deal from time to time with a client or prospective client that has life insurance, annuity, or endowment policy that is

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LIRPs for average joe
Becoming your own banker

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

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retirement
Indexed Universal Life Insurance

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

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Company Review

Haven Life Insurance Review

Dealing with most traditional life insurance companies often means complicated paperwork and longer than normal wait times for approval. However, Haven Life Insurance Company expedites

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Life insurance at 74
Quotes By Age

Life insurance at 74

Health issues are very common as we get older, so the risk to your loved ones is becoming greater. Life insurance at age 74 could

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Life insurance at 35
Quotes By Age

Life Insurance at 35

Many couples first seriously consider life insurance in their mid-thirties. You are old enough now to know that unexpected tragedy is a reality you want

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life insurance at 40
Quotes By Age

Life insurance at age 40

When you apply for life insurance, the company is going to review dozens of different factors to determine how much they should charge you every

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Life insurance at 62
Quotes By Age

Life insurance at 62

Life insurance in your sixties is as important as it is when you are in your thirties. The financial obligations you have now are just

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Life insurance at 58
Quotes By Age

Life insurance at 58

Life insurance at 58 can be a bit confusing at times. Even the basics are not certain for many people. Chances are you are here

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life insurance for smokers
High Risk Life Insurance

Life Insurance for Smokers

Quick fact:  Life insurance costs more for smokers.  Here is how you can get cheap life insurance for smokers. This includes cigarettes, pipes, cigars, e-cigarettes,

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Penn Mutual logo
Company Review

Penn Mutual Review

Life insurance is part of most all good financial plans. One reason for this is because the proceeds from a life insurance policy can be

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minnesota life insurance company
Company Review

Minnesota Life Review

Life insurance is a key component of many good, complete financial plans. This is because the proceeds that are received from a life insurance policy

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Life insurance at age 59
Quotes By Age

Life Insurance At 59

Do you think 59 is too old to consider life insurance coverage? Do you think life insurance at 59 will be too expensive? Well, you

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Indexed UL at 40 - you bet!
Indexed Universal Life By Age

Indexed UL at 40? You Bet!

Life happens. Fast. One day you are making decisions on a career after high school and the next you are discussing a budget for the

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Life insurance at 38
Quotes By Age

Life Insurance at 38

You may have heard that life insurance premiums at thirty-eight will break your budget. We are here to tell you that is just not true.

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Life insurance at 37
Quotes By Age

Life Insurance at 37

As people start hitting their 30s, they start thinking about the future and their financial security. You are right on time to make this important

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Life insurance at 36
Quotes By Age

Life Insurance at 36

We see many clients in their mid to later thirties becoming interested in life insurance. You proudly work hard to build a certain quality of

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Life insurance at 34
Quotes By Age

Life insurance at age 34

Getting life insurance while you are still young is important. Yes, thirty-four is definitely still young and life insurance companies know that. Life insurance will

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Life insurance at 45
Quotes By Age

Life Insurance at 45

Forty-five and here you are with a growing family and mounting financial responsibility. Protecting those you love and the life you are building together is

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Life insurance at age 59
Quotes By Age

Life Insurance at age 50

Congratulations, you’ve made the big five-oh! You’ve accomplished a lot in half a century, mainly supporting a family you love and who rely on you

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Life Insurance at age 75
Quotes By Age

Life Insurance at age 75

As an older applicant, you might have some health problems. Regardless of your age or your overall health, there are still insurance options available. Find

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Life insurance at 65.
Quotes By Age

Life Insurance at age 65

You may be wondering, “Should I buy life insurance at 65?”  Well, the answer is yes. If you are considering life insurance coverage and have

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Insurance at 38
The Need For Life Insurance

Do I Need Life Insurance?

In a nutshell, life insurance protects your ability to earn. You know, your paycheck. If you have a family or business, chances are you need

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Life insurance at 79
Quotes By Age

Life insurance at age 79

Life insurance at 79 is probably not as uncommon as you think, or as expensive as you think. If you have important financial obligations, especially

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Life insurance at 77
Quotes By Age

Life insurance at age 77

Some people believe that life insurance at age 77 is out of their reach.   Health issues often scare some who need life insurance coverage

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Where is the cheapest place to buy IUL?
Quotes By Age

Life insurance at 76

Many believe that life insurance at 76 will be too expensive. Maybe you have some health issues that keep you from applying. You can probably

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Life insurance at age 59
Quotes By Age

Life insurance at age 73

Many who seek life insurance at 73 are worried about how their health will affect their premiums. Will they be sky high? Probably not. Hypertension,

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Life insurance at age 59
Quotes By Age

Life insurance at 72

Many people who seek life insurance at 72 can’t imagine how they could possibly afford the premiums at this age. Health issues are a reality

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Should I buy Universal Life Insurance at age 45?
Quotes By Age

Life insurance at 71

Age will take its toll and many in their seventies have developed health conditions as they have gotten older. You may be thinking that your

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Insurance at age 68
Quotes By Age

Life insurance at 68

Many in their sixties are surprised to learn that many people their age are purchasing life insurance. Once the kids are out on their own,

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Life insurance at age 55.
Quotes By Age

Life insurance at 66

Many people are surprised at the amount of folks in their 60s purchase a life insurance policy. But we definitely suggest it if you’re 66

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Life insurance at age 67
Quotes By Age

Life insurance at 67

It may surprise you that it is quite common for people in their sixties to purchase life insurance. Life insurance coverage is not just for

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Life insurance at 52
Quotes By Age

Life insurance at 64

Let’s talk about Life Insurance at 64   Many 64-year-olds are unsure about life insurance. Why do I need it and how much do I

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cost of Life insurance
Quotes By Age

Life insurance at 63

Many people think that 63 is too late in life to buy life insurance. “There’s no need for it now, I waited too long …

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Cost of insurance
Quotes By Age

Life insurance at 61

Life insurance at 61 is more common than you think. The vast majority of people in their sixties either have life insurance coverage or know

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How much does life insurance cost
Quotes By Age

Life insurance at 56

Some people worry when considering life insurance at 56. There is probably not too much to worry about. Do you think life insurance will be

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Life insurance at 53
Quotes By Age

Life insurance at 54

Life insurance at 54 is the best way to protect your family’s financial security. You have worked hard to give your loved ones a standard

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Life insurance at age 55.
Quotes By Age

Life insurance at 53

So you’ve turned 53 years old and think its out of your budget to buy life insurance?  Not necessarily so. Others are not even sure

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Life insurance at 52
Quotes By Age

Life insurance at 52

Life insurance at 52 is an important financial decision for your family. You have worked hard to support your loved ones and you want to

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Life insurance at 49
Quotes By Age

Life insurance at 49

You’re 49 and know you need life insurance. The people you love the most rely on you and your income and as you get older

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Life insurance at 46
Quotes By Age

Life insurance at 46

At 46, you may be worried that life insurance will cost too much. If your health is fine, you can probably put your concerns to

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life insurance at 42
Quotes By Age

Easy Life insurance at 42

You have reached your early forties and realize that you need life insurance. Your family and your responsibilities are growing and if something were to

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