Paid-Up Life Insurance

Paid-up life insurance is a term that confuses a lot of people.  The idea seems straight forward, but what makes a life insurance policy paid-up?  Also, how does paid-up life insurance differ from other

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Endowment Life Insurance Policy: It Was a Sure Thing

We don't often talk about the endowment life insurance policy.  This is largely due to the fact that they are no longer a thing in the United States.  But just because you won't find them for sale doesn't

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Life Insurance Illustration: Basic vs. Supplemental Ledger

A life insurance illustration is a tool that agents use to detail the various features of a proposed life insurance policy.  These rather lengthy documents contain a lot of information and sometimes delineate

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Should I Buy Whole Life Insurance?

Should I buy whole life insurance if I'm young and have no dependents?  This is a question that we field more often than you might think, so today we want to address this question for those who might

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Whole Life Insurance as an Investment

If you spend any time looking around this site, you'll find plenty of content detailing the various features of whole life insurance.  We've detailed at length the use of whole life insurance specifically

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Annuity Buyers Can Do Better But Should They?

What drives annuity buyers?  I mean with all the negative press about the evils of annuities, what on earth possesses these people to actually pull the trigger and purchase an annuity? Let's not forget

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The Definitive Discussion on Whole Life Insurance Dividend Recognition

Whole life insurance dividends are a fun subject we discuss quite regularly.  But a more obscure and advanced topic on this subject is the way life insurer adjust dividends (if at all) whenever a policyholder

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Buy Term and Invest the Difference Is Still Broken

Buy term and invest the difference is an academic argument that suggests you should skip the “expensive” whole life insurance et. al. and instead by “cheap” term insurance.  You

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How Do Life Insurance Policy Loans Work?

Can you borrow against life insurance and how do life insurance policy loans actually work?  For a lot of life insurance policies out there, the answer is yes. However, there are some types of life insurance

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