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Customer Reviews

Customer Reviews

is life insurance part of an estate after death

Deciding how to structure life insurance can be one of the most important choices you make in your estate plan.  Along with providing for your loved ones, a well-planned life insurance policy can help you avoid probate, reduce taxes, and protect key assets. And, because life insurance has a significant impact on how your estate […] Read more

life insurance for business owners

Life insurance is an important financial asset for many, or even most, people.  For business owners, though, the need is particularly acute. When you own a business, you don’t just have to worry about protecting your family’s financial well-being in the event of your untimely death (though, of course, that is still very important).  You […] Read more

how are annuities taxed

Most discussions of annuities focus on the security and predictability they offer as a retirement-planning tool.  And for good reason. Guaranteed growth, minimal risk, and a consistent income stream for life are big advantages for retirees. But favorable tax treatment, though perhaps not as immediately attention-grabbing, may be just as important. With a little strategic […] Read more

Top Annuity Companies

The following list represents our current picks for the top 10 best annuity companies of 2019. These companies represent the annuities that we believe are the best in class. 2019 Best Annuity Companies Please click on a company name to find out more about each individual carrier and the products offered. If you have any […] Read more

long term care insurance elimination period

Actor Harrison Ford recently quipped, “you know you’re getting old when all the names in your black book have ‘M.D.’ after them.”  It’s a funny one-liner, but it also raises an undeniable point – the older you get, the more healthcare you are likely to need.  And, for three out of every four Americans who […] Read more

variable annuities

As a combination insurance product and investment vehicle, variable annuities have long been popular with investors looking to set aside money for retirement or other long-term goals. The product’s appeal stems from features such as tax-deferred growth and insurance provisions such as guaranteed lifetime payment options and a guaranteed death benefit. Variable annuities are able […] Read more

are life insurance proceeds taxable

Cash value life insurance has the uncommon distinction among financial products of being both predictable and versatile. With whole life, for instance, premiums, growth rates, and death benefits are all guaranteed.  This means that you can predict with a reasonable level of certainty the cost of the policy, the rate at which its cash value […] Read more


In the following Annuity Guide, we provide the essential information you need to equip and empower you to make an informed decision about annuities and if an annuity is the best option for you. If you have any questions, please don’t hesitate to reach out to us. Annuities Any retiree with a pension can attest […] Read more

life insurance protected from creditors

Cash Value Life Insurance Creditor Protection and Bankruptcy Protection By State Whole life policies offer numerous benefits beyond just providing liquidity in the event of an untimely death. Over time, a policy’s cash surrender value builds up, earning interest and serving as a versatile financial asset useful in retirement and estate planning. With guaranteed cash […] Read more

life insurance rating scale

If you are shopping for life insurance, you may be puzzled to hear your insurance agent use the word “tables” when describing how rates are determined. While the term may not apply to you if you are in good health and don’t work in an especially high-risk field, if you are subject to risk factors […] Read more