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Gifting Life Insurance

Inheritance Gifting Life Insurance Gifting Life Insurance For those with excess money or those who have large estates gifting life insurance premiums can optimize your inheritance planning. It not only moves money out of your estate through planned gifting, but in...

Is Genworth Life Screwing Loyal Customers?

Hopefully that got your attention if you have a Genworth Life or First Colony “Colony series” term life insurance policy. The company had to make a business decision about their low cost super competitive term conversion product, the Genguard no lapse...

Protective Life Not A Wonderful Life!

We left off the other day with a description of Protective Life’s universal life conversion product, a product that simply defies the imagination. Since they introduced….no wait. They forgot to introduce the product. Since they gave their loyal term...

So, When Would I Recommend Not To Buy Term Insurance?

I’ve been accused of recommending term life for every need and while I maintain that 95% of all needs for the average person are well served by term, there are valid reasons to consider permanent insurance in your portfolio. Before any jumps on that statement...

A Grandparent’s Gift!

I cited a study not too long ago that made it clear that many people pass away these days not having used significant portions of there retirement finances. While this money can be passed on through wills or probate, consider this. I know that many people in this...

A Senior Moment!

It occurred to me after reading a study that many retired people might be missing an opportunity to increase their inheritance without any investment risk. This study indicated that the majority of retired people die with significant cash assets untouched. Whether...