What is a Long Term Care Rider? A Long Term Care (LTC) rider is a life insurance policy element that allows you to receive a portion of the death benefit while you are still alive if you meet certain circumstances. The death benefit can then be used to pay for long-term care expenses. This type.. More

How Does Universal Life Insurance Work? Universal life insurance for government employees is a type of permanent life insurance. It can protect you for the duration of your life, as long as the premiums are paid. Some forms of universal life insurance also offer a cash value component. The cash value can build up investment.. More

Married couples share nearly everything – from chores to leftovers. They also often share the responsibility of bringing home a paycheck for their family. In fact, nearly half of married-couple families were made up of two employed partners.  If your family depends on two paychecks to make ends meet, it’s important to make sure that.. More

Why should teachers get a universal life insurance policy?  There are many reasons that an education might find a universal life insurance contract to be the missing piece to their financial plan.  We will go through some of the reason below. Cost Effective Universal life insurance is more cost effective than other forms of permanent.. More

Universal life insurance could be a vital part of a financial plan for successful veterinarians. Not only does universal life insurance provide you and your family with a tax free death benefit in the event of your passing but there are more reasons to do your research to see if a universal life insurance policy.. More

If your current job makes you eligible to receive a pension when you retire – then life insurance could play a prominent role in how much income your pension will provide you. Most pensions work the same are structured the very similarly. Your pension will be broken down into different options when you retire. The.. More

Term life insurance often is touted as an affordable way to provide a financial safety net for loved ones who count on you for support. It costs less than universal life insurance because it provides coverage for a limited number of years rather than indefinitely. It’s also cheaper because term life insurance doesn’t have the.. More

What is a HENRY? HENRY is an acronym that stands for High Earner Not Rich Yet. High earners, not rich yet (HENRYs) are individuals who currently have significant discretionary income and a strong chance of being wealthy in the future. Many professionals, including lawyers, doctors, dentists and so on, have the potential to be HENRYs.. More

Do you know that you might be able to convert your term life insurance policy into a permanent life insurance policy?  Most term life insurance policies come with an option to convert a portion up to the full death benefit to a life insurance policy that is built to last your entire life. There are.. More