What is a Life Insurance Dividend?

What is a Life Insurance Dividend?

A life insurance dividend is a non-guaranteed payment from the insurance company to the policy owner representing profits the company earned during the policy year.  Insurance companies often view dividends as a sharing of the surplus created by their insurance activities among policyholders whose insurance contracts generate profits beyond the insurer’s expectations. A dividend also …

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Is IUL Good for Retirement?

Is IUL Good for Retirement?

Indexed universal life insurance (or IUL) can be good for retirement because it protects your savings from stock market crashes. It also has the potential to earn more than a whole life insurance policy. IUL is able to accomplish this slightly higher return potential because it uses index accounts that are linked to the movement …

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Should you Hire a Fee-Only Insurance Advisor?

Should you Hire a Fee-Only Insurance Advisor?

Fee-only insurance advisors provide advice on insurance-buying decisions free of the potential conflicts posed by commissions.  Fee-only advisors receive compensation through a fee you agree to pay them for their work.  In exchange for their fee, these advisors will review the facts of your specific buying situation, insurance proposals you received from agents, and make …

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How Does the Guaranteed Insurability Rider Work?

How Does the Guaranteed Insurability Rider Work?

The guaranteed insurability riders, also known as the future purchase option, future increase option, guaranteed purchase option, or guaranteed increase option rider, allows the insured of a life or disability insurance policy to purchase additional coverage without going through a new medical exam. This rider can help an insured purchase additional amounts of insurance when …

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Sure We’re All Investors Now

Sure We're All Investors Now

The GameStop Reddit short squeeze shows us that it’s possible for a crowd of retail investors to perpetrate stock market manipulation similar to the allegations levied for years against hedge funds.  It’s yet another example of the volatility stocks can possess that makes little practical sense and turns the capital markets from a funding source …

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