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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 […]


One of the under appreciated and often ignored sources of value many families have is existing life insurance policies.  If you haven’t sat down with your agent and done a “policy audit” recently I’d encourage you to dig those policy documents out of storage, dust them off; and with the help of a good agent, […]


“Rule #1 Never Lose Money. Rule #2 Never Forget Rule #1.” – Warren Buffett Since 2000 the S&P 500® has had two years of declines greater than 20%[1].  In fact going back to 1900, history suggests we can expect a market “correction” (decline) of at least 10% once every 3 or 4 years.  History also […]


Well if you don’t, you’re in good company. According to Secure Retirement Institute (SRI) research, 50% of participants have no idea what they pay. Nearly 40% of participants in a qualified (to pay taxes later) retirement plan like a 401(k) think they don’t pay any fees and expenses at all. Reform & Disclosure Regulations? Huh? […]


The short answer is “probably not.” I just presented the concept to a 66 year old retired police officer today.  Originally he was shopping term life. As we moved through the fact-finding process we found that his real objective was to leave something to his grandchildren.  I called it “Legacy Building.” He was too modest […]