Category: Index Universal Life

ATTORNEY NEWSLETTER Unclaimed Property in Life Insurance Policy Usually, insurers do not have to research whether the insured passed away and give the payment to the beneficiary. But in the case of annuities, insurance companies routinely check the social security death database, and when one of their annuitants has died, […]

ATTORNEY NEWSLETTER Allianz Life Insurance reports record profits in 2015 The Background The years since the Great Recession have been hard for a lot of people. Stagnant wages, lost jobs, and loss of benefits and insurance. People have had to cut unnecessary expenses out of their budgets and focus on […]

ATTORNEY NEWSLETTER How to Prepare for Changing Rates Planning Ahead Many people see life insurance as a solid way of planning for the future. If you purchase a whole life insurance policy while you’re young, and start making payment early, you can keep your monthly payment down while accruing cash […]

ATTORNEY NEWSLETTER The Market and Your Life Insurance For most life insurance policyholders, there’s no particular reason to be concerned about what effect the market will have on your policy. Why should you? Life insurance is traditionally rock solid, and a temporary upset in the market has no bearing whatsoever […]

ATTORNEY NEWSLETTER Why do Annuities Have a Bad Reputation? If you’ve been looking into an annuity, it’s almost certain you’ve come across a lot of sources warning you away. Why is that? On the surface, an annuity can make sense: purchasing an annuity now can save money on taxes, provide […]

ATTORNEY NEWSLETTER The Indexed Universal Life Insurance policy is a recent invention, only coming into existence in the last decade or so. Traditional life insurance can be traced back for centuries, and is among the most regulated and carefully monitored financial product in existence. Considering that, what’s the advantage of […]

ATTORNEY NEWSLETTER It’s tempting to see retirement saving as a viable way to get big returns off Wall St. investment, to provide a hefty sum for potential medical costs, caretaking, and passing on to the next generation of your family. But the cost of big returns is big risks, and […]

ATTORNEY NEWSLETTER Unbeknownst to many, September is Life Insurance Awareness month, as well as National Yoga Month, National Bourbon Heritage Month, National Papaya Month, and National Prostate Health Month. While the last four are all nationally recognized, the first is a marketing event put on by Life Happens, a non-profit […]

ATTORNEY NEWSLETTER At first glance, Indexed Universal Life Insurance sounds like a dream come true: guaranteed market returns on your life insurance and a solid floor to prevent you from losing your primary. But there’s a reason some Insurers are pushing Indexed Universal Life policies: they don’t perform the way […]

ATTORNEY NEWSLETTER It’s been a long time since life insurance was a risky business. In the last century and a half, reformers have created a sold, staid industry that is compelled by law to invest the bulk of its customers’ money in low-yield, low-risk bonds that are guaranteed to produce […]