≡ Menu

Customer Reviews
cash value chart whole life insurance

The following article examines three different whole life cash value charts to understand how different policy designs affect the outcome of the policy’s long term cash value growth. So, let’s begin with answering, What is Whole Life Insurance Cash Value? A tax-advantaged financial tool for generating tax-free income, paying off high-interest debt, and even becoming […] Read more

rising interest rates high inflation assets

How to Protect Wealth When the Fed Is Raising Rates The low interest rate environment of recent decades appears to be on the way out. While rates may not currently be high by historical standards, they are nevertheless significantly above where they were just a year or so ago. With the Federal Reserve vowing to […] Read more

is life insurance taxable

The number one danger to building wealth and creating a legacy is death and taxes. The good news is that permanent life insurance provides protection against both. In the following article, we do a deep dive into life insurance taxation to help you make a more informed decision about how you can best secure your […] Read more

irrevocable life insurance trust

The Ultimate Financial Flexibility and Control Using Insurance Trusts or “Grantor Trusts”, to Reduce (or Eliminate) Asset Transfer Taxes and Decide What Happens with Your Savings, Property, and/or Business – Now and In the Future While you may have spent a great deal of your life thinking about offense (by saving, investing, and trying to […] Read more

best mutual whole life insurance companies

Finding financial strength and security in a crowded insurance marketplace While many people purchase life insurance for the death benefit that it provides, there are other features that can make these flexible financial vehicles enticing, too. For instance, with permanent dividend paying whole life insurance policies, there is a cash value where the funds are […] Read more

how much does life insurance payout

People buy life insurance for a multitude of different reasons. These can include income replacement, debt payoff, business succession funding, and/or the payment of a funeral and other final expenses of the insured. Depending on how long it takes to receive a life insurance death benefit can be a primary factor in whether or not […] Read more

inflation effect whole life dividends

While many people purchase life insurance for the death benefit protection that it provides, there are numerous other reasons to include this financial vehicle in your portfolio. One of these is the tax-deferred savings that certain types of life insurance policies can offer. In some cases, for instance, growth of the cash value in a […] Read more

Infinite Banking Concept

In the following article we will cover the pros and cons of the infinite banking concept®. While there are many pros to infinite banking, there are some cons that also need should be considered. And while we are advocates of this concept, it is not for everyone or every situation. At Insurance and Estates we […] Read more

life insurance and decentralized finance

Decentralized finance (DeFi) is a fast emerging ecosystem which allows financial products of all kinds, from coins to digital art (NFTs), to be made available on a decentralized blockchain network.  The programmable applications and protocols being created on the blockchain such as ethereum, solana and cardano, allow financial transactions to be executed automatically on the […] Read more

If you do a simple search like “Bitcoin and Life Insurance” a flurry of articles with numerous concerns pop up.  Topics of interest concern things like, whether life insurers are poised to begin accepting bitcoin OR the involvement of major life insurers in either purchasing large amounts of bitcoin or increasing involvement in the fast […] Read more