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Life Insurance: Most Versatile Investment in Your Toolbox

In 2014, Guinness World Records announced a new record had been established for Most Valuable Life Insurance Policy stating, ”Mystery Billionaire Buys Record Breaking $201 Million Life Insurance Policy.” Why? There are many reasons why the wealthy utilize life insurance.   Read more...

What Does $100,000 Look Like In Retirement? Protecting Against Longevity Risk

While advances in modern medicine and healthier lifestyles are leading to longer life spans and time spent in retirement, they are creating another reality: the distinct possibility that some Americans could outlive their money. According to the Social Security Administration, one out of every four 65 year-olds today will live past age 90 and one out of 10 will live past age 95.   Read more...

Life Insurance Solution to the Long-Term Care Crisis

My dad passed away after he and my mom fought a valiant seven-year battle with his chronic illness. After he was diagnosed with Parkinson’s disease, he and my mom sacrificed some aspects of their lives for the sake of his care. My dad had life insurance, but he could not use it to help with his chronic illness. The benefit of his life insurance policy was realized only upon his death. Read more...  

The Top 4 Benefits of Using Life Insurance in Retirement Planning

Getting clients focused directly on their need for life insurance is often difficult. Life insurance sales are often tied to discussions of other financial goals, like selling a business through a buy-sell agreement or as a source of funding for estate taxes. With many clients focusing on retirement planning today, life insurance can be an important part of the retirement planning puzzle as well. Here are a number of different ways to use life insurance in retirement planning.   Read more...  

Life Insurance For Business Owners: A Multipurpose Tool

Any advisor who counts a business owner among their clients knows that telltale look, the one that says, "I already have too much on my plate running a company to worry about long-term planning stuff." All too frequently, the day-to-day concerns of running a company push vital business planning and big-picture strategic decisions to the back-burner.   Read more...