Why Is Permanent Life Insurance Bad?

Most other websites that publish information about permanent life insurance will insist it is ALWAYS a bad idea. The implication is that no one needs to have life insurance that sticks around forever. In fact, most financial gurus, mega personal finance websites (nerdwallet, valuepenguin, lifeant, Nasdaq etc.) all agree that term life insurance is superior. …

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How Long Should I Keep My Term Life Insurance?

Can I ditch my term life insurance before the term is over?

Most people purchase term life insurance because they believe that they have a need to protect their family if they die. People usually choose term insurance if they have a limited budget or they feel the need to supply their loved ones with a large cash infusion upon their death to be a finite need. …

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Can You Use Life Insurance for Wealth Accumulation?

You can accumulate wealth with life insurance

When most people think of life insurance, they tend to think of it in its most basic form. The life insurance policy pays a death benefit to a beneficiary or multiple beneficiaries when the person insured by the policy passes away. But many have learned the powerful benefits of using life insurance for wealth accumulation. …

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Is Indexed Universal Life Insurance Good for Retirement?

Is Indexed Universal Life Insurance Good for Retirement?

Indexed universal life insurance can be a good choice for retirement, but you should understand that it works as an option to complement your investments and other retirement planning tools.  The top three things that make indexed universal life insurance a strong tool for retirement are: Its protection against losses Its ability to produce tax-free …

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Why I Love Being a Financial Advisor

clients working with a financial adivsor

There are a great many people who believe that they would like to be a financial advisor. It seems that some people are very much wired to enjoy topics around personal finance. In the past couple of decades, and more intensely in the last 10, the interest in personal finance has evolved an entire online …

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Are You a Double Secret Adviser?

Did you know that there are regulatory organizations that spend their time debating over who’s allowed to use a word and who’s not? Yes, in the endless search for truth and justice in the financial services industry, we’ve run out of real problems… Those in favor of regulating every single aspect of how financial service …

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Should You Buy Whole Life Insurance

If you’ve been around long enough to read more than a couple of posts on our site or listen to any of our hundreds of podcast episodes, you probably think that’s an odd question. After all, aren’t we the guys that kinda known for helping clients buy whole life insurance and agents better understand how …

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