Life Insurance Isn’t For the People Who Die, It’s For the People Who Live

11 Feb

Michael, 32, was a fit and healthy family man. As he left to run a 10K race, he kissed his wife, Traci, good-bye along with newborn Calvin and “big” sister Josie. He never made it home. As he crossed the finish line, Michael collapsed and died. The Kovacic family would never be the same. More >>

Life Insurance for Your Children: How Does It Work? Do You Need It?

4 Feb

Life insurance is one of the things that often comes up at important times in your life, when you get married, buy your first home or have children. Who needs life insurance is a question you might find yourself asking, and when you have children, you may wonder if you should buy some life insurance for them. More >>

Real Life Stories – Protection During a Financial Storm

28 Jan

Being a small-business owner is rewarding. It gives you the freedom to do what you love and to control your destiny. This appealed to Mike Jaap, who took a wealth of experience and built a metal recycling business. It paid off with exponential growth and profits. More >>

10 Ways You Can Use Life Insurance

21 Jan

Life insurance is designed to protect your family and other people who may depend on you for financial support. Life insurance pays a death benefit to the beneficiary of the life insurance policy. Over the years, life insurance has also evolved to provide options for building wealth or tax-free investments. More >>

When To Buy Life Insurance

7 Jan

Life insurance is somewhat opposite of automobile insurance. Rather than having high prices at a young age that reduce as you get older, life insurance begins inexpensive and becomes more costly as you age. The reason being is quite simple: with automobile insurance, the older you are, the better you are at driving which makes you less likely to need coverage for accident costs; with life insurance, the younger you are, the healthier you are which reduces the cost of monthly payments. More >>

Farm Families: Using Life Insurance in Estate Planning

10 Dec

Farm families can use life insurance to smooth the bumps in a transition from one farming generation to another. Done right, it provides funds not subject to estate taxes. It can help farming heirs buy out at least part of a farm or ranch estate from their urban brothers and sisters. More >>

Hybrid Life Insurance Policies Increasingly Popular As Long-Term Care Funding Strategy

3 Dec

While traditional stand-alone long-term care insurance (LTC) products have seen a drop in popularity in the past several years as a result of companies leaving the marketplace and of spiraling policy premiums, life insurance-backed long-term care financing strategies have experienced tremendous growth. More >>