Life Insurance in Your 20s

For most people in their 20s, life insurance is off the radar. Finding meaningful employment, paying off student loans and getting a decent place to live tend to be more important. Yet, based on several factors, now is the right time to think about a policy. Whether you purchase individual life insurance or group coverage…

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The Difference Between Group and Individual Life Insurance

At some point, you will have the option to get life insurance through an employer or purchase a policy on your own. In either case, you’ll be presented with a conundrum: What’s the difference between group and individual life insurance? Generally, employers provide group life insurance policies. They’ll either cover the premium or offer it…

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The Long Term Care Decision Journey

In the United States today, the need for long term care is greater than ever. Not only are people generally living longer, but many members of the baby boomer generation are quickly approaching the age of 60. As a result, our country’s elderly population will increase substantially in the years to come. As people age…

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When Should You Consider Life Insurance?

For many adults, there comes a point in which you may be asked to consider a life insurance policy. One, on a general level, may financially assist your loved ones or business in the future; but when is having this policy essential? If You Have a Financial Commitment If someone depends, or will depend, on…

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The Benefits of Cash-Value Life Insurance

Permanent cash-value life Insurance is a unique and flexible financial planning tool that should be considered by all families aspiring to achieve real financial independence.  If properly structured and properly funded, cash-value life insurance can provide many exceptional benefits. Cash-value life insurance offers the advantage of a tax-free benefit and the potential for income tax-free…

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