≡ Menu

private long term disability insurance

Long Term Disability (LTD) Insurance Disability in any form can prevent a person from making a living. However, some people are fortunate as they can tap into their savings or cash value life insurance policy for their survival for a few months without working, while other can’t afford to stop working for long periods of […] Read More

key person life insurance

In a recent article on inc.com, Richard Branson shares how his philosophy that making employees a top priority can bring benefits to both customers and investors.  Simply put, taking care of key employees is taking care of your business. Key Person Insurance Is Ideally About Protecting Your Business From the Loss of a Key Employee or Business Partner, While Also […] Read More

Life Insurance for Special Needs Planning

It goes without saying that for parents with special needs children, estate planning becomes an enormous priority.  If an adult child is receiving need based disability benefits such as SSI, special needs planning will become even more challenging. This sets the stage to require a skillful and insightful special needs planning effort that can involves […] Read More

top 10 life insurance companies

As a rule, we at insuranceandestates.com strive to provide the most accurate and objective insight on the web for all things related to life insurance and estate planning. A good starting point for this lofty goal is to decide who exactly are the best life insurance companies in the U.S. This article will attempt to […] Read More

cash value accumulation growth

Cash value life insurance refers to a type of life insurance that, in addition to paying out a death benefit to your beneficiary or beneficiaries upon your death, accumulates cash value inside the policy while you are alive. Contrast whole life vs term life insurance, where term life pays a death benefit only and does […] Read More

introduction to disability income insurance

Our goal at I&E is to equip our clients with the strategies and tools to maximize wealth building and preservation, to enhance legacy creation. One of the tools of the trade is disability income insurance. It provides comprehensive asset protection, particularly for those who currently rely on a paycheck. The following article will act as […] Read More

insurance company ratings what do they mean

There are four ratings agencies you need to be aware of when you are evaluating different insurance companies overall financial health. Understanding the life insurance company ratings will help you make the tough decision on which one of the best life insurance companies available is going to be the right fit for you. The ability […] Read More

Survivorship life insurance

At I&E, we focus on combining both the benefits of a properly designed permanent life insurance policy with a properly designed estate plan. The benefit is a tailored asset protection plan, that builds wealth and leaves a legacy. One such tool to accomplish this goal is through the use of a second to die insurance […] Read More

401k penalty withdrawals

In another article, we provided a thorough answer to is the 401k worth it. That article was a general overview of the plan. Here, we zero in specifically into the nuances of 401k withdrawals and loans. Giving additional money to the government in the form of taxes because of a simple oversight is a real […] Read More

Whole Life vs. 529 Plan for College Saving

If you search the internet for comparing life insurance vs. 529 plan for college savings, and in particular whole life insurance, you’ll find polarizing viewpoints. Half of the resources love whole life insurance as a vehicle to save for college, and provide compelling arguments. The other half suggest that whole life insurance is not ideal for […] Read More