This is my personal repository for all sorts of useful content (blogs, videos, etc.) to help you better understand not only life insurance, but other financial tools and strategies as well. You can browse through everything page by page, or you can click on any of the categories in the sidebar to narrow the information down to precisely what you’re looking for. Enjoy!
Advisors and agents that single-mindedly encourage clients to buy term life insurance just to get them through their working years are overlooking some pretty significant risks that still exist well into our golden years.
"Learn how index universal life insurance works in this short video. Indexed universal life insurance (IUL) is permanent life insurance that offers death benefit protection when loss of life occurs. Like other forms of permanent life insurance, your premium payments may earn interest and grow the cash values of your policy. What differentiates IUL from other permanent life insurance is the way interest is credited to the policy. In addition to the company offering its own declared interest rate, IUL also offers an interest option linked to the movement of a selected stock market index over a specific period of time. The manner in which interest is credited to your IUL policy gives you the potential for strong cash value accumulation. A key benefit to remember is that it offers protection in a poorly performing market. With IUL, you don't participate directly in the stock market and the credited interest rate is never less than zero percent, guaranteed!"