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Life Insurance

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

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

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

The Problem Long-term care is expensive. Whether it’s a nursing home or other assisted-living facility, or home-based services, the extended duration and continuous care result in quickly mounting costs. Private nursing homes average around $80,000 per year, and even home-based care comes in at around $40,000.(1)  These cost levels can rapidly deplete a retiree’s entire […] Read more

Reduced Paid Up Insurance

As part of our series on what you can do if you cannot pay your whole life insurance premiums, we offer this article on reduced paid up insurance. Whole life insurance comes with two principle features that set it apart from term coverage. First… The first is that a whole life policy is guaranteed to […] Read more

A common question about starting a whole life insurance policy is “What if I cannot afford the premiums?” This line of thinking results in either you being too afraid to start a policy or starting a policy with a minimal premium payment, so you can “manage” the premium if you fall on difficult financial times. […] Read more

When planning for retirement, many financial advisors suggest investors build a diversified portfolio that can provide them both growth and peace of mind. Enter a life insurance retirment plan or LIRP. Dividend paying whole life insurance can comprise an important component of such a retirement plan, given its guaranteed cash account growth, tax advantages, and […] Read more

Indexed Universal Life Insurance

About Indexed Universal Life Insurance Indexed Universal Life Insurance (“IUL”) is a distinct flavor of life insurance that continues to grow in popularity due to its flexibility and enhanced growth potential. IUL is permanent life insurance – like whole life insurance – which means that, once you purchase an IUL insurance policy, it remains in […] Read more

The Best Life Insurance Policy For You Life insurance is probably the most overlooked wealth building vehicle by the mainstream but it holds the power to benefit individuals and families in the present and for generations to come. You see, by setting the right foundation for your financial life, you create an opportunity to benefit […] Read more

At I&E, we don’t believe there is a one-size-fits-all product out there that can be considered the best life insurance. In fact, we frequently recommend different insurance products based on each client’s specific needs, goals and objectives. The following article covers convertible term life insurance: what is it, who needs it and why one day […] Read more