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Cash Value Life Insurance

Here at I&E, we ask the question, “What if you use can cash value life insurance for something more powerful than only death insurance?” What if you could fund a permanent cash value life insurance policy that would further multiple financial and risk management goals, such as building a retirement plan, covering disability insurance, providing […] Read more

Unlike the majority of the articles that are about using whole life insurance in retirement, we are actually going to give you some reasons why whole life is a good choice for people who are not among the 1%. You see, whole life provides certain benefits, such as a tax favored status, that makes it […] Read more

What is Survivorship Life Insurance? Survivorship life insurance DEFINITION: also known as a Second to Die policy, survivorship life insurance a joint permanent life insurance policy that pays out upon the death of all insured parties. Typically this type of joint insurance is on a husband and wife, and the policy death benefit is paid […] Read more

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

It’s tempting to think of charitable donations and bequests to heirs as a zero-sum, either/or proposition.  There’s a finite amount of wealth to be distributed, and every dollar that goes one place can’t also go somewhere else. Now, to a certain extent, that’s an unavoidable constraint.  However, when you bring life insurance into the mix, […] Read more

The following article is specifically about life insurance for women. According to LIMRA, life insurance ownership for women is at 56%, about 10% below the ownership for men. Further, total death benefit coverage falls short with women as well, as life insurance policies for women have 22% lower death benefits than men. To put this […] Read more

Borrowing From Your Life Insurance Policy’s Cash Value One of the benefits of cash value life insurance such as whole life and universal life is the ability to take out a life insurance loan against the cash value in your life insurance policy. This has been termed “borrowing from yourself,” and while the interest you […] Read more

If you’ve researched cash value life insurance at all, you’ve probably been exposed to some negative commentary from those in the financial world (often financial entertainers and stockbrokers) who seek to compare whole life insurance with other investment options. Our prior articles tackle those objections in some detail… As we’ve discussed concerning the infinite banking […] Read more

Welcome to I&E. We specialize in life insurance for foreign nationals and non U.S. residents. The following article touches on many of the requirements necessary for eligibility. If you have any questions on the content below or would like to inquire into your specific eligibility, please get in contact with us today. On your search […] Read more

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