Latest Posts

Everything you Need to Know About Buying a Life Insurance Policy

by Stacy Brasher on May 23, 2018

Education, Insurance, Family

If you are at the point where you are asking how to buy a life insurance policy, then you have already made the most important financial decision, which is to take the steps to  insure your family’s or loved one’s financial security.  For many people, that is most likely a critical decision that has long been procrastinated.

Using Cash Value Life insurance to Increase Portfolio Returns While Reducing Risk

by Stacy Brasher on May 23, 2018

Finance, Insurance

Life insurance has existed for nearly two centuries as essential planning tool that protects dependents from the risk of a breadwinner’s untimely death. However, given the unique investment properties of life insurance, financial planners are finding a number of ways it can be used in other ways to enhance portfolio returns while reducing risk.

When Life Insurance Makes Financial Sense in Retirement

by Stacy Brasher on May 23, 2018

Insurance, Retirement

When most people think about life insurance, it is something to be purchased when we’re young with financial responsibilities and dependents to protect. Any discussion about purchasing life insurance after we retire is often met with strong opinions as to whether or not it makes any financial sense. After all, the cost of life insurance increases significantly over the age of 65.

Three Reasons Why Life Insurance is More Than Just a Death Benefit

by Stacy Brasher on May 23, 2018

Insurance, Retirement, Tax Planning

Life insurance is universally recognized as an essential pillar of a financial plan for providing much needed capital in the event of a breadwinner. It is also fundamental to other planning needs, such as estate planning to pay for settlement costs and taxes, and business planning for business continuation or key person protection. However, considering the remarkable tax properties of permanent life insurance, it should also be considered as foundational planning tool for an entire financial plan. Here are three reasons why:

5 Reasons Why Millennials Should Buy Life Insurance Right Now

by Stacy Brasher on May 23, 2018

Insurance

It’s no surprise that studies show young adults are not into insurance. There are too many other financial challenges to worry about, such as paying off crushing student loan debt and saving for future goals. Actually, other studies show that younger adults would rather spend their money on such things as travel premium TV streaming services than use it to buy life insurance. Most are quick to spend $120 a year to insure an $800 cell phone, but, very few would consider spending a few dollars more each year to insure their lives.

Life Insurance and Annuities for True Lifetime Protection

by Stacy Brasher on May 23, 2018

Insurance

It is not often that the topics of life insurance and annuities are brought up in the same discussion, primarily because they serve two very distinct purposes. Although they are both products of life insurance companies, life insurance policies are protection against dying too soon, and annuities are protection against living to long.

All Gain with no Pain? What You Need to Know About Indexed Annuities

by Stacy Brasher on May 23, 2018

Investments

The annuity industry must have studied the story of Goldilocks and the Three Bears because, after recognizing that investors weren’t very keen on low fixed yields or the vicious volatility of the stock market, they came up with a product, that for most people, would seem to be just right – Indexed Annuities.