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Whole Life Insurance

Update: Not much has changed for 2019. We will continue to monitor the marketplace and update our top 10 dividend paying whole life insurance companies list when necessary. The best whole life insurance is participating whole life, where the insurance company pays a dividend to participating policyholders. In fact, dividend paying whole life insurance is […] Read More

The best whole life insurance policy is going to be the one that does the job you need it to do. There are two ways to approach whole life insurance policy design. The most obvious is to solve for the death benefit. If your human life value is $1,000,000, then you require a million dollar […] Read More

Whole Life Insurance is a Bad Investment

Whole life insurance is a bad investment because whole life insurance is not an investment at all. Rather, whole life insurance is a insurance policy with a savings account and a death benefit. The following article is intended to put to rest the misleading idea that whole life insurance is a good or bad investment […] Read More

In a world where price is often “king”, it’s easy to understand why Whole Life Insurance is often viewed as a total “rip off” or even a “scam”. After all… When comparing whole life insurance vs term life, whole life can cost anywhere from 5 to 10 times more than a term life policy with […] Read More

As the saying goes… “the only thing that is truly permanent is CHANGE” Which is why we here at I&E understand what there are a lot of reasons that an individual may want to consider “canceling” or “cashing out” his or her whole life insurance policy. “But is that always a good idea?” And if […] Read More

One of the first things most folks try to decide when purchasing a life insurance policy is… “What kind of life insurance is the best?” Which is a great question to ask, but the problem is, it’s really going to depend on “what” you would like to have your life insurance policy “do” for you […] Read More

Disadvantages of Whole Life Insurance.

Here at I&E, we spend a lot of time talking about some of the key advantages of purchasing whole life insurance policies. Particularly if… You’re young and healthy or you have enough savings to purchase a cash value whole life insurance policy with a paid up additions rider.  This is because unlike a term life […] Read More

In the world of cash value life insurance, there is an important thing to understand about your life insurance policy, namely whether it is a “participating policy” or “non-participating policy.” This question of participating vs. non-participating life insurance relates directly to how your life insurance policy works for the benefit of you as the policy […] Read More

  When it comes time to shop for a Limited Pay Whole Life Insurance Policy, what you’re generally going to find is that many of the best life insurance companies will carry some “type” of limited pay whole life insurance option which will allow one to fund a permanent cash value policy in a sorter […] Read More

Traditional IRA vs Roth IRA Most folks know that both Traditional IRAs and Roth IRAs are tax-advantaged accounts for setting aside retirement savings. The problem is that… To gain the tax benefits they offer, you must adhere to rules regarding how much you can contribute to them based on criteria such as your age and […] Read More