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Insurance for Seniors

Retirement Watch highlights how to choose and manage insurance options courtesy of guru Bob Carlson

Found 60 Articles.
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New Estate Planning Strategy: How To Use Life Insurance To Pay Estate Taxes

June 2, 2020

Sometimes the traditional strategies to reduce estate taxes are not practical or appealing. It might be difficult to give away an asset in increments over the years to make tax-free gifts. Or you might want to retain control of your assets for life. There are a lot of reasons why someone might not want to […]

The Family Bank Life Insurance Strategy: Your Own Personal Retirement Bank

May 25, 2020

In last week’s edition of Retirement Watch Weekly, I introduced readers to the Family Bank Strategy. Today, we’ll answer some commonly asked questions about it, starting with… Who should consider the Family Bank Strategy? One good candidate is someone who is keeping money in conservative investments as a safety net or in case someone in […]

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How to Create Your Own Personal Retirement Bank with Life Insurance

May 19, 2020

Have you heard of the “Secret 770 Account” and “The President’s Account?” Or maybe you’ve seen these: Banking on Yourself® or “Infinite Banking?” Or perhaps even these: “Becoming Your Own Banker,” “The Personal Bank,” or “The Retirement Miracle?” If you read financial publications, especially online, you almost certainly have come across some of these. You’ve […]

Estate Planning

How to Shelter Your Estate Plan from Disasters – The Importance of Estate Planning Forms, Documents and Insurance

May 5, 2020

It can happen to any of us… It doesn’t have to be a historic outbreak, hurricane, flood, or wildfire. You could be at risk from a broken water pipe, a tree falling on your home, or some other event. Bottom line: You don’t want short-term events to cause a permanent reduction in your financial security. […]

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Be Sure Your Insurance Premiums Aren’t Wasted

March 19, 2020

Billions of dollars of life insurance benefits go unclaimed each year, and it’s mostly the fault of the people who bought the insurance. You buy life insurance to provide financial protection to loved ones. They might need the money to pay debts, bills, taxes and more. The insurance also can provide a nice legacy.Yet, too […]

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How to Use Life Insurance Under the New Estate Tax Laws Part II

July 21, 2019

In last week’s edition of Retirement Watch Weekly, we re-examined some factors and tools of estate planning that were altered by the new estate tax regime. Today, we’ll complete the list… […]

estate planning

How to Use Life Insurance Under the New Estate Tax Laws

July 16, 2019

Because of the still relatively new estate tax regime, some factors and tools of estate planning need to be looked at differently than before. Here’s the first area we’ll review… Life insurance. Traditionally the main reason to buy permanent life insurance was to help pay for estate taxes. The number of people with that need […]

Why You Still Might Need Life Insurance

April 26, 2017

Your estate isn’t likely to be subject to the federal estate tax, so you don’t need life insurance. Right? Maybe not. Permanent life insurance was a mainstay of estate planning when even most middle class families faced the federal estate tax. It ensured taxes were paid and loved ones had a legacy. With estates valued […]

July 2021:
Congress Comes for your Retirement Money
A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.
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