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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 […]




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 […]