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Variable Life Insurance

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… Read more

Universal Life Insurance

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… Read more

Whole Life Insurance

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… Read more

Term Life Insurance

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… Read more

Disability Income Insurance for Business Owners

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… Read more

Last-Survivor Life Insurance

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… Read more

Split-Dollar Life Insurance

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… Read more

Life Insurance for Business Owners

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…. Read more

Business Owner Policies

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;… Read more

Property and Casualty Insurance

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… Read more