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Category Archives: Life Insurance

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10 Steps to Review Your Life Insurance Coverage

If you have been worrying about your life insurance coverage in light of the COVID-19 pandemic, now is the time to review your coverage. The most important thing to remember when it comes to life insurance coverage, a claim will be paid even if the cause of death is a pandemic such as COVID-19.   Ten […]

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Characteristics of a Great Portfolio

In These Unusual Times Let’s Examine –    What is an Investment Portfolio? Simply, put it is all the assets we own, not just our 401(k), Mutual Funds, Stocks/Bonds and ETF’s. The correct term is “Asset Base” because it’s assets (not debt) that give us long term financial independence. A “Great Asset Base” grows nicely […]

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Make Time for Life Insurance

Has your life insurance been in force for some time?           Here are 5 simple things to consider: 1. Make sure you are comfortable with the face amount of your policies. Inflation erodes the face amount so adjustments may be required. 2.Health conditions are a moving target. You will want to purchase additional coverage while you […]

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Why Whole Life Insurance Stinks!

There are 5 reasons why no one should ever, ever THINK of buying whole life RIGHT? Commissions: Life insurance salespeople typically make a base commission of 55% of your first-year premium, 7% yrs 2-5 and 2% every year thereafter to provide annual reviews and service to their clients. Financial entertainers say buy term and invest the difference […]

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September To Do Item

Now is a great time to review your life insurance coverage before you get busy with fall and holiday activities.   Life changes and your benefits wants and needs follow.  Here are a few things to consider:   Does the amount of your policies provide the coverage you want? Inflation erodes the amount so adjustments may be required. Health conditions are a moving target. […]

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A Special Week

This week was a special week for 3 reasons-                                             Wednesday 6/14 was Flag Day and we hung our banners and flags with pride. I met a fellow practitioner for the first time who experienced the unimaginable – his wife died from cancer 4 years ago at age 39.  He has 4 girls and had done […]

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Spring Clean Your Finances

    It’s time to throw open the windows and start the annual spring cleaning of our house.  But have you thought about spring cleaning your finances?    The 8 tips below are a great place to start!   Start with your budget.  Take an afternoon to go over your spending during the past few months. Do […]

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A Great Gift!

“A SOCIETY GROWS GREAT WHEN OLD MEN PLANT TREES WHOSE SHADE THEY KNOW THEY WILL NEVER SIT IN.” – ANCIENT GREEK PROVERB Should I Buy Life Insurance for My Children or Grandchildren? When we buy life insurance “for” our children or grandchildren, we are providing them with a gift that will help form the foundation for financial […]

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Time to Review Your Beneficiaries

The Danger in Neglecting Beneficiary Designations To be sure our financial accounts and insurance payouts at our death go to the people we want, it is so important that we choose and update our beneficiary designations – a loved one, a charity or an institution. Sometimes life gets in the way and we forget to change our beneficiary designations […]

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Business Succession Made Simple

Simplified Business Succession with Term Life Insurance   Most often, the greatest asset to a business owner is the business itself.  A critical part of ensuring a comfortable retirement for the business owner is getting the most value out of the business that he or she can.  Life Insurance can play a key role in making […]

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