Whole Life Insurance Articles

Should You Buy Term or Whole Life Insurance?

I advise my clients to answer this question first: “…is the reason I’m considering buying life insurance permanent in nature or temporary in nature?� Said another way, “….would I like the benefits of life insurance to be paid to my loved ones no matter when I die or is there a certain point in time where they would not want or need the proceeds of life insurance?�
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Top Ten Things to Ask your Agent BEFORE Purchasing Life Insurance

Asking ‘how did you determine’ as opposed to ‘why’ means you’re looking for a process...
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What Company Do I Choose – Mutual or Stock?

When considering the purchase of permanent life insurance, part of the decision process not only should include...


Does Permanent Insurance Make Sense?

Most people I run into have a strong desire to own their own home. It’s part of the ‘American Dream’...


Supplemental Retirement Planning using Whole Life Insurance

I see most clients invest their retirement savings into the stock/bond market and/or the real estate market...


Which Type of Permanent Life Insurance Should You Buy?

Universal Life Insurance was developed in the mid 1980s as the insurance industry’s answer to a rising interest rate environment...


Whole Life Insurance for Children

It’s something we all take for granted until it’s too late….being healthy. Insuring your children now, while they’re in good health...


Life Insurance – The Reality

It is always interesting to listen to my friends, associates, and acquaintances of multiple age groups discuss the types of life insurance...


Now Is The Time To Review Your Life Insurance Policy

Life insurance is becoming more and more affordable because people are simply living longer.


Using Life Insurance to Leverage a Financial Gift

There are a variety of choices in which a person can efficiently plan for a tax-advantaged way to pass on their legacy.


Modified Endowment Contract (MEC)

The Modified Endowment Contract is something every person considering the purchase of whole life insurance should understand.


Whole Life as a Retirement Account Diversifier

Over the past decade many clients have looked to Government and Investment Grade Corporate Bonds as a way...



Whole Life Insurance for the Small Business Owner

As the owner, you are considered ‘highly compensated’ from the Department of Labor related to top heavy testing for...


Why Whole Life Insurance from Guardian

When evaluating any form of permanent (cash value) life insurance, choosing which plan & company to go with can be difficult...


How Much Life Insurance Do I Need?

When determining how much life insurance is appropriate, ‘rules of thumb’ are not accurate...



Whole Life As Part of Your Financial Plan

When working with clients, we often discuss what I call, the ‘Pyramid of Planning’. On the bottom...


What Is A Dividend?

Dividends are an attractive component of whole life insurance policies that can provide the owner with an additional benefit...


Making A Charitable Gift Using Life Insurance

Making a charitable gift with life insurance is one of the easiest and most efficient ways to leave a legacy...


How To Accelerate the Cash Value Growth Within a Whole Life Policy

Whole Life insurance provides fixed premiums, guaranteed death benefits and cash value to access in the form of loans or withdrawals....