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Customer Reviews

Customer Reviews

Variable Universal Life

At insurance and estates we don’t try to pretend that there is one best life insurance policy or company. The “best” policy depends on your specific needs, goals and objectives. In some cases the “best” policy will be VUL. In the following article on Variable Universal Life Insurance, we will cover the history of the […] Read more

cash value whole life insurance

Typically, when folks decide to purchase a life insurance policy, what they’re looking for is a “guarantee” that when they die, their loved ones will be protected financially. This is why… Most individuals who are relatively unfamiliar with purchasing a life insurance policy will immediately tend to want to purchase a whole life insurance policy.  […] Read more

overfunded whole life insurance

In this article, we’re going to discuss a strategy whereby someone can take advantage of overfunding their cash value whole life insurance policy for the purpose of then using this cash accumulation to accumulate and preserve wealth. During our discussion, we’ll focus on some of the pros and cons of overfunding life insurance as well […] Read more

Infinite Banking Concept Pros and Cons

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

business planning using life insurance

At insuranceandestates.com, we define business planning as the part of the estate planning process that is focused on the ongoing operation and prosperity of a business or company. This can be a small family business or a larger more established company because the issues faced by a business don’t change much regardless of the size […] Read more

best long term care insurance

Nowadays, with growing health care costs on just about everyone’s mind, many folks are also choosing to take a look at their “risk” of one day needing to receive long term medical care, which may or may not be covered by their existing insurance policies that they already have in place. This is why… We […] Read more

life insurance retirement plan

The life insurance retirement plan, AKA LIRP, is a powerful financial tool that has many pros and is has been used by millions of Americans to secure and protect their way of living throughout their lifetime and beyond. In the highly competitive financial services sector you will hear advice for 100 different products and strategies, […] Read more

Review of Becoming Your Own Banker: Unlock The Infinite Banking Concept by R. Nelson Nash “For I know the plans I have for you” declares the LORD, “plans to prosper you and not to harm you, plans to give you hope and a future.” Jeremiah 29:11  Over the past decade, there has certainly been a […] Read more

term vs permanent life insurance

Term Vs Permanent Insurance The question whether you should purchase permanent life insurance (including whole life, universal life, variable universal life, and indexed universal life) or term life insurance has been debated for a very long time. The entire whole life vs term life debate can be very polarizing. While both sides of the debate […] Read more

can you get a life insurance policy on someone without them knowing

We tend to think of life insurance in terms of protecting other people who rely on us financially. You might already have a policy to protect your family if anything happens to you. But, while this is a tremendously important purpose of life insurance, it is not the only purpose. In some instances, you need […] Read more