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A couple of the top-rated life insurance carriers I work with are now offering true non-tobacco rates for tobacco users that don’t smoke cigarettes. Make no mistake:  these aren’t gimmicks like small face amount policies or products that are priced so poorly to begin with it isn’t a big deal.  Term life and permanent policies […]


Summary: Mortgage Protection is just life insurance.  Life insurance is extremely important and most people don’t have enough of it.  Most people that purchased life insurance after responding to a direct mail solicitation for “Mortgage Protection” are paying way too much for their policy.  In many cases you can get a new policy and save […]



Indexed Universal Life with a Lifetime Death Benefit Guarantee You like so much about Indexed Universal Life insurance: • Low cost universal life chassis • Ability to earn interest based upon an external index like the S&P 500® • Interest credits that are locked in regardless of what happens to the index in the future […]



For the last few weeks, social media, conventional media, your holiday celebrations, and your water cooler conversations have been full of talk about “New Year’s Resolutions.” Those of you reading this doubtlessly are familiar with the cycle of broken resolutions despite the best of intentions. I’ve come to the conclusion that the best time to […]


Last week while we were all feeding our faces like gluttons over the Thanksgiving Holiday our government’s gluttonous spending reached a new milestone: our National Debt hit $18 Trillion.  That’s Trillion with a T! If you like to see zeros it looks like this: 18,000,000,000,000. I don’t want to get too political and I certainly […]


Here are five great questions I’ve gotten over the last few weeks. What really struck me are most of these are items that usually aren’t the first things that pop up in conversations about the concept but are really important.   1. Does having an IUL or contributing to an IUL affect yearly tax reporting […]



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