Archive

Archive for December, 2018

Letter of Explanation – Premium Financing

December 20th, 2018 No comments

Following is an email I recently received:

Over this past year I have been contacted several times (by parties that I respect) asking me to get involved with Premium Financing…    The pitch is compelling – that Indexed life insurance is great (a game changer); that some carriers offer immediate surrender free CV of 100% of the premium deposit(s); that super large banks are happy to do the lending…   on and on…

I just read your take on this and I respect your opinion…     Could I ask you, if I was to get involved, what insurance companies or financial firms do you think are respectable and experienced (and doing the best job) in this specialized arena? For full post, click here…

Categories: Letters of Explanation Tags:

Saving Money on Life Insurance – Part 3

December 19th, 2018 2 comments

The real-life effects of premium funding differences.

Trying to save money on life insurance may not be a good idea (as discussed in Parts 1 and 2 of this series).

The underlying expense structure and chances of a policy having a life expectancy longer than the insured individual is often determined by how much goes into the contract. Why not go a step further? What about evaluating a life insurance transaction like any other investment opportunity? For full post, click here…

Categories: Life Insurance Tags:

A Life Insurance Primer: Life Insurance Basics by Bill Boersma & Marty Shenkman

December 18th, 2018 No comments

Categories: Life Insurance, Videos Tags: