Current News and Articles

What is a Longevity Annuity?

What is a Longevity Annuity?

Also referred to as Deferred Income Annuities, a Longevity Annuity is a contract between an individual and the insurance company underwriting the annuity. The individual (insured party) makes a premium deposit in the annuity contract today in return for a guaranteed...

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What is a Joint and Survivor Annuity?

What is a Joint and Survivor Annuity?

An annuity is a legal arrangement involving the owner (also known as the annuitant) and an issuer (the insurance company). The contract owner makes the premium payment or payments to the insurance company and in exchange, the insurance company offers specific...

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What is a Charitable Gift Annuity

What is a Charitable Gift Annuity

Do you have a favorite charity that you’d like to give a rather large gift to? If you could pledge this gift to your charity of choice while taking legal tax-deductions and have a stream of income in return, would this be something that interests you?...

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What is a Tax-Sheltered Annuity

What is a Tax-Sheltered Annuity

A tax-sheltered annuity, or TSA, is a long-term retirement planning strategy that provides a systematic, tax-sheltered approach to accumulate money for your retirement.  If an individual is working at a school or some other qualifying organization covered according to...

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Why Buy Mortgage Life Insurance?

Why Buy Mortgage Life Insurance?

You can easily use Mortgage Life Insurance to protect your family and Invest in Retirement...   For consumers who are building a family and have invested in their dream home, purchasing Term Life Insurance to pay off the mortgage if a breadwinner dies makes a lot...

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Why Purchase Mortgage Protection Insurance

Why Purchase Mortgage Protection Insurance

As an independent agent for over 25 years, I’ve had many people ask me why they should consider purchasing mortgage protection insurance. It’s actually a very good question because spending money on redundant coverage doesn’t make a lot of sense, not me anyway. So,...

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How Much Does Mortgage Protection Insurance Cost?

How Much Does Mortgage Protection Insurance Cost?

Most people commonly confuse mortgage protection insurance with primary mortgage insurance and it's easy to see why. Mortgage protection insurance is designed to pay off your mortgage balance in the event of your death and primary mortgage insurance is designed to pay...

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Is Mortgage Protection Insurance Worth It?

Is Mortgage Protection Insurance Worth It?

Most people experience incredible excitement when they purchase a new home, especially first-time homebuyers. They’ve probably saved considerable money for the down payment and closing costs and usually let out a big sigh of relief when the closing is completed....

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What is Guaranteed Universal Life Insurance?

What is Guaranteed Universal Life Insurance?

Among the several different types of permanent life insurance, the one that is considered closest to Term Insurance is a policy known as Guaranteed Universal Life Insurance or GUL. The GUL, although a universal life insurance product, was developed for longevity...

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How Does Universal Life Insurance Work?

How Does Universal Life Insurance Work?

It’s important to understand that although term life insurance is the least expensive life insurance in the marketplace, it is temporary insurance. Certainly, most term life policies can be converted to a permanent life insurance policy before the policy expires, but...

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What is Universal Life Insurance?

What is Universal Life Insurance?

Universal life insurance is a type of permanent life insurance policy that will furnish life insurance coverage along with the additional benefit of flexible premiums, and cash value accumulation, comparable to the savings component in a whole life insurance policy....

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Planning for Lifetime Income

Planning for Lifetime Income

It goes without saying that most adults are worried about having enough funds invested for a secure and comfortable retirement. Granted, if seniors scale back to just the bare essentials most can retire on what they’ve invested into Social Security. However, this is...

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Universal Life Insurance Pros and Cons

Universal Life Insurance Pros and Cons

Universal life insurance provides lifetime coverage, as well as flexibility in premium payments and the investment of the policy’s cash value.  The cash value of a traditional universal life insurance policy fluctuates depending on the performance of the index, and...

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