If you’ve ever thought of life insurance, it was probably colored by the instinctive unease of thinking about your mortality – the fact that one day you’ll no longer be among the living. After all, that’s the main reason to buy life insurance – making sure that your passing, as traumatic an emotional loss as […]
Life insurance is crucial in many cases and a near-total waste of money in others. Even when life insurance is a good idea, you may be better served by term life insurance rather than permanent life insurance. Finally, if permanent life insurance is right for you, single-premium insurance may or may not be best for […]
There are seven cases when life insurance benefits can be taxed, but a workaround may be possible for at least one case. It’s not a fun topic, but you need life insurance if anyone depends on you being around. Entire volumes can and have been written about what type of life insurance is best in […]
Life is very unpredictable as we know it, and no one wants to dwell on the possibility of an untimely death. However, it is essential to plan for the unexpected and protect our loved ones financially when we decide to accept dependents into our lives. While GoFundMe campaigns can provide temporary relief during difficult times, relying […]
The Chartered Life Underwriter (CLU) is a certification for financial professionals who specialize in life insurance as it relates to estate planning and business planning. It involves an extensive educational program that covers topics such as insurance, annuities, risk management, and more. The CLU is one of the oldest designations as it’s been around since […]
How much life insurance do you need? It depends on a number of factors, including your expenses, your spouse’s income, and the age of your children. The purpose of life insurance is to ensure your family and loved ones are financially secure after you die. If you have a family and you don’t have a […]
Administered by the National Association of Insurance and Financial Advisors (NAIFA), the LUTCF designation focuses on life insurance, other insurance products, risk management and investment products. Let’s take a closer look at what this designation is, what it takes to earn it and how you may benefit from working with an LUTCF. What is a […]
There are a lot of really good reasons to get life insurance. I’ve been in the financial industry for about a year and a half now, and have seen a lot of things from my clients. But even though there’s a lot of reasons to get life insurance, there are a few very common ones. […]
There are lots of investment options out there that you can make. Something that I’ve found that actually puts people off of investing is there are too many options, it’s complicated, and overwhelming. Often the toughest step to take is the first, but once it’s out of the way everything else is easy. When we […]