Life Insurance And Single Women!
The carefree life of the young and single! Been there and done that, and I don’t believe I was the odd person out when I failed to plan for the future. My assumption was that if things changed I would deal with it as it came up. That included any thoughts about life insurance. Why ...read more
Small Business Managers Run This Country
In our current economic meltdown there are a lot of people out there trying to say that the government or big business are trying to run our country. What this country really runs on is small businesses and what really makes those businesses work is the owners or the managers. This is a country made ...read more
Return Of Premium Term Insurance Weighted In Favor Of Company!
The question of return of premium term insurance has been viewed from a lot of angles in this forum, but today I think we need to switch our focus from the end of the term to the midpoint. There is, I believe, an assumption out there that a return of premium policy will return the ...read more
What Happens If I Outlive My Term Insurance?
This is certainly in the top 10 questions I get from clients considering what product will best serve their life insurance needs. When I explain that a 10 or 20 year term is really not designed or priced to go beyond those guaranteed periods I usually get the stock, “So I’m betting I’m going to ...read more
A Heart To Heart Talk About Life Insurance!
There is a common misconception that has floated around for the past 100 years or so of my life that if a person has cardiac problems, a heart attack, or coronary artery disease (CAD) requiring heart bypass surgery or an angioplasty, they are irreparably damaged in their ability to get life insurance, especially affordable life ...read more
Return Of Premium Life Insurance! Good Deal Or Not?
Return of premium term life insurance is certainly a hot topic these days, so where do you turn to get an unbiased analysis of whether or not it is a good fit for your financial needs? I guess my best advice is simply to steer clear of anyone that thinks it’s the right answer for ...read more
Why Term Insurance?
I field a high number of calls asking about whether people should buy term insurance, universal life or whole life, and in some cases they will have heard of, and ask about return of premium term insurance. Now is not the time to hold back my feelings on this, so I am going to lay ...read more
Will Wonders Never Cease? Return Of Premium Term Insurance In New York!
I swear, where a year ago I was thinking New York would probably miss this century also, they have now rocked the life insurance world by approving return of premium term insurance for sale. Return of premium has been available in the rest of the country for years, but today ING Reliastar the first ever ...read more
If Life Insurance Was Free, Would You Take The Time Then?
This is one fascinating world we live in. I see so many people that bend over backwards to make sure that no matter what happens, their family will not miss a financial beat. They recognize and care deeply about what would happen if they didn’t show up at the breakfast table tomorrow. On the other ...read more
There’s Free Life Insurance And Then There’s Free Life Insurance!
I’ve talked in the past about a product called return of premium term insurance. It is often touted as “free life insurance”, because if you outlive the term insurance you get a refund of all the premiums paid in. A little more comprehensive take is in the attached Forbe’s article on the subject. forbes-return-of-premium.pdf That ...read more
