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Paid-Up Life Insurance Policy Cash Value

A whole life insurance policy is “paid-up” when no further premium payments are needed to keep the policy in force. Paid-up life insurance allows you to benefit from the continued growth of the policy, without needing to pay into the policy to keep it active. And for properly designed policies, the cash value and death […] Read More

how many life insurance policies can you have

In the following article we will address a couple common questions. First, we will answer the question “Can you have multiple life insurance policies?” Second, we will also address the question of how many life insurance policies you can have. And we promise to provide answers that are different than perhaps every other website out […] Read More

how to cash out 401k

The following article on deals with cashing out a 401k. There are many advantages and disadvantages to this decision and you need to weigh each option to make sure it is the right decision for you. After all, there are many 401k pros and cons that you need to consider when deciding on whether or […] Read More

Variable universal life vs indexed universal life

In the following article we will compare and contrast IUL insurance vs VUL insurance, highlighting the key similarities and differences between these different life insurance policies. Our goal is to help you discover what the best life insurance is for you, based on how your unique goals and objectives align with each of these insurance […] Read More

how whole life insurance works

In the following article covering the basics on how whole life insurance works we will explore the mechanics involved in the policy, compare and contrast it with other types of life insurance coverage, such as term life and universal life, as well as provide additional information on the different whole life product offerings available in […] Read More

how to calculate marginal tax rates

If you’re single and you earn $100,000 per year, you are in the 24% tax bracket, so that means you should be paying $24,000 per year in federal income tax, right?  Well, no, it’s not that simple.  In fact, your actual tax liability will probably be much less.  And that’s because the U.S. has what […] Read More

Life Insurance and Human Life Value

Most of us have a sense that our lives have inherent value. I attribute this, at least in part, to the culture of life that is part of our heritage as Americans. However, how often do we consider what the value of our life is or that of others? Perhaps we assume that this is […] Read More

how to be your own bank

“Be Your Own Bank” is another way to refer to Nelson Nash’s Infinite Banking Concept: Becoming Your Own Banker®. To be your own bank means you replace conventional thinking and take back control of your money outside of Wall Street. In the following article we will discuss how you can be your own bank and […] Read More

review of MassMutual whole Life Insurance

MassMutual is one of our top 10 best life insurance companies. In the following review of MassMutual, we will address the pros and cons of the company, including its history, ratings, strengths, policies, and benefits. Review of MassMutual Life Insurance Although this review is primarily focused on MassMutual Whole Life Insurance, when reviewing any life […] Read More

should you buy term or whole life insurance

Buy term and invest the difference (BTID) is a popular mantra of virtually everyone in the investment world, personal finance blogs, life insurance agents and YouTube comments section. But if you are like me, when everyone is saying the same thing I have to question the validity of the thing. So, in the following article […] Read More