Life Insurance & Annuity Experts (888) 539-1633

cash value

A husband and wife play with their children at home. — If you’ve never ventured into the world of life and annuity insurance, well, today is your day to explore this new avenue. There are many differences between life and annuity insurance. So, what are the specific distinctions of each type? What is an annuity? An annuity is an investment opportunity to […]

What is the Difference Between Life and Annuity Insurance?

July 17, 2024 in life tagged annuities / cash value / life insurance / universal life insurance / whole life insurance by Joey Hinojosa

Can you Add More Insurance to a Whole Life Policy without going through underwriting? There are a few reasons you may be interested in doing something like this. Let’s say you got the policy when you were 21. It’s a Whole Life Insurance Policy, and you recently started a family. […]

Can you Add More Insurance to a Whole Life Policy?

March 3, 2020 in life tagged cash value / life insurance / life insurance riders / Underwriting / whole life insurance by Jenny McCann

Why People In Their 20s’ Need Life Insurance People in their 20s and even 30s may not see much of a need for life insurance. However, it is something that can be used as a great tool. Whether saving for retirement or starting the process to become your own banker. […]

Why People In Their 20s Need Life Insurance

February 28, 2020 in life tagged cash value / cost of life insurance / life insurance / life insurance applications / mortgage by Jenny McCann

Is Life Insurance Taxable? Life insurance is complicated. Because of that, it might seem like tax could apply to life insurance policies too. However, it’s worth noting that the death benefit is not taxable. That is 100% tax-free regardless of how much it is, $10,000 to $10 Million. However, there […]

Is Life Insurance Taxable?

February 25, 2020 in life tagged cash value / death benefit / life insurance / taxes by Jenny McCann

Often, people overlook how much life insurance can set you up for the future. The problem with a High Yield Savings account High Yield Savings account is good for one thing – people just starting to save or for short (very short) term investments. This savings means if you’re working […]

The problem with a High Yield Savings account

January 6, 2020 in life tagged 401k / cash value / Credit / debt by Jenny McCann

Life insurance can get expensive. That’s why it’s always important to budget for it. The Importance of Budgeting A budget can seem lame, boring, and time-consuming. However, budgeting is one of the most important skills you can ever learn. Learning to have a strong financial future is the best way […]

The Importance of a Budget

December 18, 2019 in life tagged cash value / debt / investing / parenting by Jenny McCann

Many people don’t know that life insurance can help you budget. Let’s see ways it can help you. Budget Examples and Considerations Before we look at some budget examples, let’s talk about money. These days, it seems that all we want to do is to spend money. But where does […]

Budget Examples and Considerations – For Individuals

December 16, 2019 in life tagged cash value / debt / fatigue / low-income by Jenny McCann

401(k) Plan Contribution Deadline — When should I start saving for retirement? We hear this question often. The simple answer is to start saving as early as possible. The sooner, the better. Here’s an example for illustration purposes. Let’s say the plan you and your agent set up calls for you to accumulate a certain […]

When should I start saving for Retirement?

December 14, 2019 in life tagged budgeting / cash value / debt / debt-free by Jenny McCann

Mutual Trust Increases Dividend Payouts for Assets 2020 What is a Dividend in Life Insurance? “The dividend is a portion of the insurance company’s profits that are paid to policyholders as if you were an investor or stockholder, these are included as your assets.” writes Frank Addessi. The short and simple is […]

Mutual Trust Increases Dividend Payouts for Assets 2020

November 28, 2019 in life tagged benefits / cash value / economics / finances by Jenny McCann

Empower financial risk spectrum — Life Insurance and The Financial Risk Spectrum The above graphic from AIG demonstrates a broad overview of a consumer’s financial risk spectrum over the course of their life. This is a great demonstration of how you can benefit with Term Life Insurance. Pre-Retirement Years As you can see on the […]

Life Insurance and The Financial Risk Spectrum

September 28, 2019 in life tagged cash value / life insurance / permanent life insurance / retirement planning / term life insurance by Jenny McCann