Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Life Insurance

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Found 16 Articles.

life-insurance

Life Insurance: How Much Do You Need?

August 1, 2007

Few people own the right amount of life insurance, because there probably is truth in the adage that life insurance is sold, not bought. Most people avoid the topic until they have to address it. Those that do seek out life insurance often receive all their advice from one commissioned agents instead of from several […]

how-to-buy-the-right-amount-of-life-insurance

How to Buy the Right Amount of Life Insurance

December 1, 2004

Most Americans ignore what insurers tell them about the amount of life insurance to buy. That’s probably a good thing for them. Even so, most people own the wrong amount of insurance. They ask the wrong question and get the wrong answer. The insurance industry generally recommends buying life insurance benefits equal to seven times […]

are-multibenefit-policies-worth-the-cost

Are Multibenefit Policies Worth the Cost?

September 1, 2003

Insurers have had trouble selling long-term health care insurance policies. To boost sales, they created multiple benefit policies. Let’s take a look at them. Insurers face a dilemma. During most of the average person’s life, he is more likely to become disabled or in need of long-term care than to die prematurely. Yet, fewer people […]

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Nine Questions to Ask Before Buying Insurance

October 1, 2002

Many investment insurance policies aren’t having the results that were expected. Their buyers didn’t realize that insurance policies also could be hurt by a bear market just like stocks and mutual funds. Here is what you need to know to avoid this situation, and to make a good decision regarding the future of any policy […]

Does Life Insurance Still Matter?

April 1, 2002

Does the scheduled repeal of the estate tax make permanent, cash value life insurance obsolete? Some financial advisers think that if the estate tax’s days are numbered, few people need life insurance. Others say nothing has changed. The truth is somewhere in between. Let’s review some of the reasons why you don’t want to automatically […]

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How to avoid the Variable Life Insurance traps?

January 1, 2002

Variable life insurance can be a powerful financial tool, and this is a good time to consider using it. But it also is fraught with traps, and those traps recently were sprung on many policyholders. Here’s how to avoid those traps and know when to use variable life. In the best of circumstances, the benefits […]

The Truth About Life Insurance Trusts

Life & Long-Term Care Insurance In One Package

June 1, 2001

Sales of long-term care insurance are stalled. Only about 2% of the target market buy the policies. The latest attempt to make long-term care health insurance attractive is to combine it with life insurance, making both products more attractive. Here’s the pitch in these new policies. The long-term care insurance is there if you ever […]

The Truth About Life Insurance Trusts

The Truth About Life Insurance Trusts

February 1, 2001

One estate tax shelter untouched by the government over the years is the irrevocable life insurance trust. At various times the IRS has tried to shut down this valuable tool, but the courts and Congress kept the structure intact. The purpose of an irrevocable life insurance trust is to exclude insurance benefits from the taxable […]

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