Archive for the Why You Should Own Cash Value Life Insurance Category


Top Reasons for Owning Cash Value Life Insurance: #1 Liquidity

Today we’re going to discuss what I have always felt was the best reason to have money in cash value life insurance and use it as part of your financial strategy. This may seem counter-intuitive. It may even seem incorrect. But I assure you that when implemented properly this is most assuredly the best feature […]

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Top Reasons for Owning Cash Value Life Insurance: #2 Leverage

Finance is a funny topic. For some it means little more than buying some low cost index funds and not accumulating massive amounts of debt. For others it’s mostly about contributing to a 401k or traditional IRA so they can raise a middle finger to the IRS (but the IRS may get the last laugh). […]

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Top Reasons for Owning Cash Value Life Insurance: #3 Market Neutral

Market neutrality à la diversification is a subject that often baffles the average financial or investment consultant. My sneaking suspicion has been that this is a result of training focused specifically on fixing a problem with a finite basket of tools at your typical investment salesman’s disposal coupled with most people’s tendency to consider good […]

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Top Reasons for Owning Cash Value Life Insurance: #4 Taxes

Cash value life insurance and taxes is a conversation that usually goes hand in hand. You see, life insurance and taxes are old friends—kind of like how Alexander Hamilton and Aaron Burr were old buds. So life insurance has often been touted as a no brainer idea for those who dislike the April 15th. Some […]

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Top Reasons to own Cash Value Life Insurance Reason #5: Liability and Creditor Protection

Cash Value Life Insurance provides an array of various benefits and one unique benefit it brings to the table (for some people) is the fact that cash values are often protected from creditor and liability claim. So unlike the money in your bank account or general brokerage account, the cash values in a life insurance […]

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Top Reasons to Own Cash Value Life Insurance: Reason #6 No Probate

Throughout the next six weeks we’ll be rolling out our top reasons for owning cash value life insurance. We’ll be releasing these posts during our Friday post. Today we start with reason number six on our list, the probate skipping process that life insurance uses when the death benefit is paid.

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