Archive Monthly Archives: March 2014

Cash Value Life Insurance: There is a Right Way and a Wrong Way to do it

Cash value life insurance is not really like a shirt sitting on the rack at Macy’s, but instead a stock piece of clothing at your favorite clothier. Sounds a tad strange, but here’s my point. Life

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Have We Been Low-Balling Indexed Universal Life Insurance?

We’ve long held indexed universal life insurance assumed credited interest rates at 6% across the board. And we’ve long been criticized for the practice. The problem, that others came to us with, was

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Yes You Should Buy Term and Invest the Difference

Buy term and invest the difference has long been the mantra of investment salesman(women) and Primerica built an entire company around the idea. The premise behind the concept has always been that one

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Life Insurance is Not The Answer to Everything

I'm quite sure there's a collective gasp from our audience when they hear us say that life insurance is not the answer to everything. Yep, we said it and we're gonna stand by it today. Life insurance is

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Should You Support Your Local Insurance Agent?

The life insurance industry has been very slow to embrace modernity and adopt systems that allow it to move more nimbly through the information age. As an industry it has blamed it’s lack of keeping

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Why Cash Value Life Insurance is So Awesome

We like life insurance and more specifically we like cash value life insurance. Doesn’t really matter which type of cash value life insurance it is, whole life insurance universal life insurance truth

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The Securities and Exchange Commission is Above the Law

Following up on a theme we’ve discussed before about certain people having access to trading options that you—the retail investor—do not, we figured we’d talk today about the Securities and Exchange

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Why It Sucks to be a Financial Advisor

Being a financial advisor or insurance agent isn’t all champagne wishes and caviar dreams. In fact, it’s a lot of misery for a long time and then maybe, just maybe, a ray of sunshine breaks through

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401k’s Aren’t the only Retirement Plan that can Leave you High and Dry

We’ve definitely not shown a lot of love and admiration for the old 401k Plan around here. While  there may be circumstances where contributions to a 401k make sense (though relatively few circumstances)

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