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Variable Life Insurance

July 30, 2015

What Is Variable Life Insurance? The insurance industry has introduced different types of insurance to meet consumers’ needs. For example, universal life insurance was created to provide a solution for many of the perceived shortcomings of whole life insurance and term life insurance. (See “What Is Universal Life Insurance?”) When consumers demanded even more changes… Read more

Universal Life Insurance

July 30, 2015

What Is Universal Life Insurance? Universal life insurance was developed in the late 1970s to overcome some of the disadvantages associated with term and whole life insurance. As with other types of life insurance, you pay regular premiums to your insurance company, in exchange for which the insurance company will pay a specific benefit to… Read more

Whole Life Insurance

July 30, 2015

What Is Whole Life Insurance? Most people are familiar with whole life insurance. For many years, whole life policies were the predominant type of life insurance sold in America. When you purchase a whole life policy, you traditionally pay a fixed premium for as long as you live or for as long as you keep… Read more

Term Life Insurance

July 30, 2015

What Is Term Life Insurance? Term life insurance is “pure” insurance. It offers protection only for a specific period of time. If you die within the time period defined in the policy, the insurance company will pay your beneficiaries the face value of your policy. Term insurance differs from the permanent forms of life insurance,… Read more

Disability Income Insurance for Business Owners

July 30, 2015

Disability Income Insurance for Business Owners One of your greatest assets is the ability to earn an income. If you were to lose that ability due to a disabling accident or illness, how would you pay your bills, send your kids to college, and save for retirement? A disability can create substantial economic hardship for… Read more

Last-Survivor Life Insurance

July 30, 2015

Last-Survivor Life Insurance Last-survivor life insurance has been a popular estate conservation tool for couples who want to help ­protect their legacy from estate taxes. Because this type of policy pays a benefit after the death of the last-surviving insured individual, it can provide heirs with much-needed cash to help cover final expenses, probate costs,… Read more

Split-Dollar Life Insurance

July 30, 2015

Split-Dollar Life Insurance Life insurance can be an important part of a business owner’s financial strategy. It can also be a great benefit to offer to key employees. However, sometimes the cost can be prohibitive. With split-dollar life insurance, the cost of life insurance can be managed by splitting it up. To be clear, split-dollar… Read more

Life Insurance for Business Owners

July 30, 2015

Life Insurance for Business Owners If you own your own business, chances are you’ve at least thought about the conditions under which you will make your departure from the business and who is going to take over after you leave. Business continuation is difficult enough under normal circumstances, but if it has to take place… Read more

Business Owner Policies

July 30, 2015

Do I Need a Business-Owner Policy? Your business may be running smoothly. You could be making money hand over fist. But don’t be lulled into thinking that a catastrophe could never hit your business. Disasters can strike in many ways; even a minor one could wipe out a lifetime of hard work. Fortunately, the appropriate… Read more

Property and Casualty Insurance

July 30, 2015

What Is Property and Casualty Insurance? Property-casualty insurance practices in the United States are based on British practices and started with marine insurers located in major U.S. ports. Even when our nation was young, we were concerned with protecting ourselves and our property and not much has changed since then. Property-casualty insurance is specifically designed… Read more