Permanent Insurance: Ownership of Life Insurance Policies and Life Insurance Trusts

1. If used properly, life insurance can be one of the estate’s most valuable and flexible tools. Insurance can be used in a variety of ways. a. First, life insurance can create an immediate estate, which ordinarily might take years to accumulate. Example: An average wage earner may need a long period of time to […]

Permanent Life insurance and the use of Personal Life Insurance

All the money one can save just seems to not be enough. No matter how much money a person has managed to save, it is seldom enough to meet either routine or extraordinary expenses of survivors immediately after the death of a provider. Some of the major financial requirements that can be satisfied by the […]

Key Man Life Insurance Quotes

Keyman Life Insurance Key man insurance is insurance purchased on the life of an employee or owner of a company. The intent is to cover expenses incurred as a result of the death of a key employee. Some examples are: •lost sales or revenue •hiring of interim staff until a permanent replacement is found •costs […]

30 Year Term Insurance

Many folks purchased life insurance when their family was young and often bought the term that fit their budgets, with policy coveage that lasted 10,15, or 20 years. But when the policy period ends what do you do?  Good planning is in order when you buy. What will happen when the term runs out and you want […]