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Life Insurance

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

Mutual insurance companies are a rare breed nowadays. Most companies that were once mutual have switched to stock insurance companies through “demutualization”. In the following article we will touch on the benefits of a mutual insurance company and provide our picks for the best mutual life insurance companies. Best Mutual Life Insurance Companies The following […] Read more

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

The following article covers the pros and cons of whole life insurance. Section one covers the different benefits of whole life. Section two covers the disadvantages of whole life. Since this article is so encompassing, we broke it down into a table of contents for easier navigation. Whole life insurance pros and cons snapshot: Whole […] Read more

The following article tackles the question of whether or not whole life insurance is a good investment. You will find our answer to be contrarian to much of the mainstream thought regarding the purpose of whole life insurance and its utility. Whole Life Insurance as an Investment At Insurance & Estates, we help you make sound estate […] Read more

The life insurance industry is going through a seismic shift. The traditional way of doing business is being upended in light of new innovation and technology. Information is more readily accessible than at any other time in history. As a result, a few brave pathfinders are breaking away from the mold and creating new opportunities […] Read more

The life insurance application process has become more user-friendly over the years, particularly with the advent of automated accelerated underwriting providing life insurance without an exam. However, there are some key things you should know to ensure that the insurance underwriting process goes as smooth as possible. You see, even if you qualify for accelerated […] Read more